<SEC-DOCUMENT>0001193125-12-128570.txt : 20120323
<SEC-HEADER>0001193125-12-128570.hdr.sgml : 20120323
<ACCEPTANCE-DATETIME>20120323090028
ACCESSION NUMBER:		0001193125-12-128570
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20111231
FILED AS OF DATE:		20120323
DATE AS OF CHANGE:		20120323

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			EAGLE FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000880641
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				541601306
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-20146
		FILM NUMBER:		12710529

	BUSINESS ADDRESS:	
		STREET 1:		2 E MAIN ST
		CITY:			BERRYVILLE
		STATE:			VA
		ZIP:			22611
		BUSINESS PHONE:		540-955-2510

	MAIL ADDRESS:	
		STREET 1:		PO BOX 391
		CITY:			BERRYVILLE
		STATE:			VA
		ZIP:			22611
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>d319465d10k.htm
<DESCRIPTION>FORM 10-K
<TEXT>
<HTML><HEAD>
<TITLE>Form 10-K</TITLE>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:0px;margin-top:0px;margin-bottom:0px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:4px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>UNITED STATES </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>SECURITIES AND EXCHANGE COMMISSION </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="3"><B>WASHINGTON, D.C. 20549 </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center>
<P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="5"><B>FORM 10-K
</B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="4"><B>ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="4"><B>THE SECURITIES EXCHANGE ACT OF 1934 </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B>For the fiscal year ended
December&nbsp;31, 2011 </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="3"><B>Commission file number: 0-20146 </B></FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center> <P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="6"><B>EAGLE FINANCIAL SERVICES, INC. </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Exact name of registrant as specified in its charter) </B></FONT></P>
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<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Virginia</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>54-1601306</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(State or other jurisdiction of</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>incorporation or organization)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(I.R.S. Employer</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Identification No.)</B></FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>2 East Main Street</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>P.O. Box 391</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Berryville, Virginia</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>22611</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Address of principal executive offices)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Zip Code)</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(540) 955-2510 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>(Registrant&#146;s telephone number, including area code) </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Securities
registered pursuant to Section&nbsp;12(b) of the Act: None </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Securities registered pursuant to Section&nbsp;12(g) of the
Act: </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Common Stock, Par Value $2.50 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>(Title of class) </B></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center>
<P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark if the
registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities
Act.&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark if the registrant is not required to file reports pursuant to Section&nbsp;13 or Section&nbsp;15(d) of the Act.&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT
STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate
by check mark whether the registrant (1)&nbsp;has filed all reports required to be filed by Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required
to file such reports), and (2)&nbsp;has been subject to such filing requirements for the past 90 days.&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT
STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant has submitted electronically and posted on its
corporate Web site, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such
files).&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark if disclosure of delinquent filers pursuant to Item&nbsp;405 of Regulation S-K is not contained herein, and will not be contained, to the best of the registrant&#146;s knowledge, in
definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT> </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer or a smaller reporting company.
See definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule 12b-2 of the Exchange Act. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="60%"></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Large&nbsp;accelerated&nbsp;filer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accelerated&nbsp;filer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT></FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-accelerated filer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;(Do not check if a smaller reporting company)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Smaller&nbsp;reporting&nbsp;company</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the
Act).&nbsp;&nbsp;&nbsp;&nbsp;Yes&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#168;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;No&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:WINGDINGS">&#120;</FONT> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The aggregate market value of the voting common equity held by non-affiliates of the registrant at June&nbsp;30, 2011 was $48,680,951. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The number of shares of the registrant&#146;s Common Stock outstanding at March&nbsp;7, 2012 was 3,320,600. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><center>
<P STYLE="line-height:6px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000;width:21%">&nbsp;</P></center> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>DOCUMENTS
INCORPORATED BY REFERENCE </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">Portions of the registrant&#146;s Proxy Statement for the 2012 Annual Meeting of Shareholders are
incorporated by reference into Part III. </FONT></P> <P STYLE="font-size:8px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:0px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>

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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="toc"></A>EAGLE FINANCIAL SERVICES, INC. </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>INDEX TO FORM 10-K </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A HREF="#tx319465_1">PART I </A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
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<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 1.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_2">Business</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 1A.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_3">Risk Factors</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 1B.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_4">Unresolved Staff Comments</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 2.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_5">Properties</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 3.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_6">Legal Proceedings</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 4.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_7">Mine Safety Disclosures</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A HREF="#tx319465_8">PART II </A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
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<TD HEIGHT="8" COLSPAN="2"></TD>
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<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 5.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_9">Market for Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 6.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_10">Selected Financial Data</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 7.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_11">Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operations</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 7A.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_12">Quantitative and Qualitative Disclosures about Market Risk</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 8.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_13">Financial Statements and Supplementary Data</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 9.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_14">Changes in and Disagreements with Accountants on Accounting and Financial
Disclosure</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 9A.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_15">Controls and Procedures</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 9B.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_16">Other Information</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A HREF="#tx319465_17">PART III </A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 10.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_18">Directors, Executive Officers and Corporate Governance</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 11.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_19">Executive Compensation</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 12.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_20">Security Ownership of Certain Beneficial Owners and Management and Related Stockholder
Matters</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 13.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_21">Certain Relationships and Related Transactions, and Director Independence</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 14.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_22">Principal Accounting Fees and Services</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A HREF="#tx319465_23">PART IV </A></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Item 15.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><A HREF="#tx319465_24">Exhibits, Financial Statement Schedules </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_1"></A>PART I </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_2"></A>Item&nbsp;1.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Business </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">General </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Eagle Financial Services, Inc. (the &#147;Company&#148;) is a bank holding company that was incorporated in 1991. The company is
headquartered in Berryville, Virginia and conducts its operations through its subsidiary, Bank of Clarke County (the &#147;Bank&#148;). The Bank is chartered under Virginia law. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank has eleven full-service branches and one drive-through only facility. The Bank&#146;s main office is located at 2 East Main
Street in Berryville, Virginia. The Bank opened for business on April&nbsp;1, 1881. The Bank has offices located in Clarke County, Frederick County, Loudoun County and the City of Winchester. This market area is located in northwestern Virginia. In
late 2012 or early 2013, the Bank will open its twelfth branch, servicing Loudoun County. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank offers a wide range of
retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage and commercial loans. Branded credit cards are offered through a larger financial institution and the Bank also has a merchant services
program which allows its commercial customers to accept credit card payments. The Bank has sixteen ATM locations in its trade area and issues both ATM cards and Debit cards to deposit customers. These cards can be used to withdraw cash at most
ATM&#146;s through the Bank&#146;s membership in both regional and national networks. These cards can also be used to make purchases at retailers who accept transactions through the same regional and national networks. The Bank offers telephone
banking, internet banking, and mobile banking to its customers. Internet banking also offers online bill payment to consumer and commercial customers. The Bank offers other commercial deposit account services such as ACH origination and remote
deposit capture. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Eagle Investment Group (&#147;EIG&#148;) offers both a trust department and investment services. The trust
services division of EIG offers a full range of personal and retirement plan services, which include serving as agent for bill paying and custody of assets, as investment manager with full authority or advisor, as trustee or co-trustee for trusts
under will or under agreement, as trustee of life insurance trusts, as guardian or committee, as agent under a power of attorney, as executor or co-executor for estates, as custodian or investment advisor for individual retirement plans, and as
trustee or trust advisor for corporate retirement plans such as profit sharing and 401(k) plans. The brokerage division of EIG offers a full range of investment services, which include tax-deferred annuities, IRAs and rollovers, mutual funds,
retirement plans, 529 college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services. Non-deposit investment products are offered through a third party
provider. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition to the Bank, the Company has a wholly owned subsidiary, Eagle Financial Statutory Trust II, which was
formed in connection with the issuance of $7,000,000 in trust preferred securities in 2007. During the second quarter of 2007, the outstanding capital securities issued through Eagle Financial Statutory Trust I were redeemed and this subsidiary was
subsequently dissolved. The Company is also a general partner in a low income housing project. The Company&#146;s subsidiary, Bank of Clarke County, is a partner in Bankers Title Shenandoah, LLC, which sells title insurance, and is an investor in
Virginia Bankers Insurance Center, LLC, which serves as the broker for insurance sales through its member banks. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employees </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company, including the Bank, had 48 officers, 100 other full-time and 23 part-time employees (or 161 full-time equivalent employees)
at December&nbsp;31, 2011. None of the Company&#146;s employees are represented by a union or covered under a collective bargaining agreement. The Company considers relations with its employees to be excellent. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities and Exchange Commission Filings </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company maintains an internet website at <I>www.bankofclarke.com</I>. Shareholders of the Company and the public may access, free of charge, the Company&#146;s periodic and current reports (including
annual reports on Form 10-K, quarterly reports on Form 10-Q and current reports on Form 8-K, and any amendments to those reports) filed with or furnished to the Securities and Exchange Commission, through the &#147;Investor Relations&#148; section
of the Company&#146;s website. The reports are made available on this website as soon as practicable following the filing of the reports with the SEC. The information is free of charge and may be reviewed, downloaded and printed from the website at
any time. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Competition </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">There is significant competition for both loans and deposits within the Company&#146;s trade area. Competition for loans comes from other commercial banks, savings banks, credit unions, mortgage brokers,
finance companies, insurance companies, and other institutional lenders. Competition for deposits comes from other commercial banks, savings banks, credit unions, brokerage firms, and other financial institutions. Based on total deposits at
June&nbsp;30, 2011 as reported to the FDIC, the Company has 20.7% of the total deposits in its market area, which is the second largest share behind BB&amp;T. The Company&#146;s market area includes Clarke County, Frederick County, Loudoun County
and the City of Winchester. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3 </FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Supervision and Regulation </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>General</I>. As a bank holding company, the Company is subject to regulation under the Bank Holding Company Act of 1956, as amended, and the examination and reporting requirements of the Board of
Governors of the Federal Reserve System. As a state-chartered commercial bank, the Bank is subject to regulation, supervision and examination by the Virginia State Corporation Commission&#146;s Bureau of Financial Institutions. It is also subject to
regulation, supervision and examination by the Federal Reserve Board. Other federal and state laws, including various consumer and compliance laws, govern the activities of the Bank, the investments that it makes and the aggregate amount of loans
that it may grant to one borrower. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following sections summarize the significant federal and state laws applicable to the
Company and its subsidiaries. To the extent that statutory or regulatory provisions are described, the description is qualified in its entirety by reference to that particular statutory or regulatory provision. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>The Bank Holding Company Act</I>. Under the Bank Holding Company Act, the Company is subject to periodic examination by the Federal
Reserve and is required to file periodic reports regarding its operations and any additional information that the Federal Reserve may require. Activities at the bank holding company level are limited to the following: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">banking, managing or controlling banks; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">furnishing services to or performing services for its subsidiaries; and </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">engaging in other activities that the Federal Reserve has determined by regulation or order to be so closely related to banking as to be a proper
incident to these activities. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Some of the activities that the Federal Reserve Board has determined by
regulation to be closely related to the business of a bank holding company include making or servicing loans and specific types of leases, performing specific data processing services and acting in some circumstances as a fiduciary or investment or
financial adviser. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">With some limited exceptions, the Bank Holding Company Act requires every bank holding company to obtain
the prior approval of the Federal Reserve before: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">acquiring substantially all the assets of any bank; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">acquiring direct or indirect ownership or control of any voting shares of any bank if after such acquisition it would own or control more than 5% of
the voting shares of such bank (unless it already owns or controls the majority of such shares); or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">merging or consolidating with another bank holding company. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In addition, and subject to some exceptions, the Bank Holding Company Act and the Change in Bank Control Act, together with their regulations, require Federal Reserve approval prior to any person or
company 25% or more of any class of voting securities of the bank holding company. Prior notice to the Federal Reserve is required if a person acquires 10% or more, but less than 25%, of any class of voting securities of a bank or bank holding
company and either has registered securities under Section&nbsp;12 of the Securities Exchange Act of 1934 or no other person owns a greater percentage of that class of voting securities immediately after the transaction. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In November 1999, Congress enacted the Gramm-Leach-Bliley Act (&#147;GLBA&#148;), which made substantial revisions to the statutory
restrictions separating banking activities from other financial activities. Under the GLBA, bank holding companies that are well-capitalized and well-managed and meet other conditions can elect to become &#147;financial holding companies.&#148; As
financial holding companies, they and their subsidiaries are permitted to acquire or engage in previously impermissible activities such as insurance underwriting, securities underwriting and distribution, travel agency activities, insurance agency
activities, merchant banking and other activities that the Federal Reserve determines to be financial in nature or complementary to these activities. Financial holding companies continue to be subject to the overall oversight and supervision of the
Federal Reserve, but the GLBA applies the concept of functional regulation to the activities conducted by subsidiaries. For example, insurance activities would be subject to supervision and regulation by state insurance authorities. Although the
Company has not elected to become a financial holding company in order to exercise the broader activity powers provided by the GLBA, the Company may elect do so in the future. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Payment of Dividends</I>. The Company is a legal entity separate and distinct from the Bank. The majority of the Company&#146;s revenues are from dividends paid to the Company by the Bank. The Bank is
subject to laws and regulations that limit the amount of dividends it can pay. In addition, both the Company and the Bank are subject to various regulatory restrictions relating to the payment of dividends, including requirements to maintain capital
at or above regulatory minimums. Banking regulators have indicated that banking organizations should generally pay dividends only if the organization&#146;s current earnings are sufficient to fully fund the dividends and the prospective rate of
earnings retention appears consistent with the organization&#146;s capital needs, asset quality and overall financial condition. The Company does not expect that any of these laws, regulations or policies will materially affect the ability of the
Bank to pay dividends. Refer to Item&nbsp;5 for additional information on dividend restrictions. During the year ended December&nbsp;31, 2011, the Bank paid $1,600,000 in dividends payable to the Company. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The FDIC has the general authority to limit the dividends paid by insured banks if the payment is deemed an unsafe and unsound practice.
The FDIC has indicated that paying dividends that deplete a bank&#146;s capital base to an inadequate level would be an unsound and unsafe banking practice. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Insurance of Accounts, Assessments and Regulation by the FDIC</I>. The Bank&#146;s deposits are insured up to applicable limits by the FDIC. The FDIC amended its risk-based assessment system in 2007 in
which, insured institutions are assigned to one of four risk categories based on supervisory evaluations, regulatory capital levels and certain other factors. Effective April&nbsp;1, 2011, the assessment base is an institution&#146;s average
consolidated total assets less average tangible equity, and the initial base assessment rates will be between 5 and 35 basis points depending on the institutions risk category, and subject to potential adjustment based on certain long-term unsecured
debt and brokered deposits held by the institution. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In July 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act permanently
raised the standard maximum deposit insurance amount to $250,000. The legislation did not change coverage for retirement accounts, which continues to be $250,000. Beginning December&nbsp;31, 2010 through December&nbsp;31, 2012, all deposits held in
non-interest bearing transaction accounts at FDIC insured institutions will be fully insured regardless of the amount in the account. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Capital Requirements</I>. The Federal Reserve Board has issued risk-based and leverage capital guidelines applicable to banking organizations that it supervises. Under the risk-based capital
requirements, the Company and the Bank are each generally required to maintain a minimum ratio of total capital to risk-weighted assets of 8%. At least half of the total capital must be composed of &#147;Tier 1 Capital&#148;, which is defined as
common equity, retained earnings and qualifying perpetual preferred stock, less certain intangibles. The remainder may consist of &#147;Tier 2 Capital&#148;, which is defined as specific subordinated debt, some hybrid capital instruments and other
qualifying preferred stock and a limited amount of the loan loss allowance. In addition, each of the federal banking regulatory agencies has established minimum leverage capital requirements for banking organizations. Under these requirements,
banking organizations must maintain a minimum ratio of Tier 1 capital to adjusted average quarterly assets equal to 3% to 5%, subject to federal bank regulatory evaluation of an organization&#146;s overall safety and soundness. In sum, the capital
measures used by the federal banking regulators are as follows: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the Total Capital ratio, which is the total of Tier 1 Capital and Tier 2 Capital; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the Tier 1 Capital ratio; and </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the leverage ratio. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Under these regulations, a bank will be classified as follows: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#147;well capitalized&#148; if it has a Total Capital ratio of 10% or greater, a Tier 1 Capital ratio of 6% or greater, and is not subject to any
written agreement, order, capital directive, or prompt corrective action directive by a federal bank regulatory agency to meet and maintain a specific capital level for any capital measure; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#147;adequately capitalized&#148; if it has a Total Capital ratio of 8% or greater, a Tier&nbsp;1 Capital ratio of 4% or greater, and a leverage ratio
of 4% or greater &#150; or 3% in certain circumstances &#150; and is not well capitalized; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#147;undercapitalized&#148; if it has a Total Capital ratio of less than 8%, a Tier&nbsp;1 Capital ratio of less than 4% - or 3% in certain
circumstances; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#147;significantly undercapitalized&#148; if it has a Total Capital ratio of less than 6%, a Tier&nbsp;1 Capital ratio of less than 3%, or a leverage
ratio of less than 3%; or </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#147;critically undercapitalized&#148; if its tangible equity is equal to or less than 2% of average quarterly tangible assets.
</FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The risk-based capital standards of the Federal Reserve Board explicitly identify concentrations of credit
risk and the risk arising from non-traditional activities, as well as an institution&#146;s ability to manage these risks, as important factors to be taken into account by the agency in assessing an institution&#146;s overall capital adequacy. The
capital guidelines also provide that an institution&#146;s exposure to a decline in the economic value of its capital due to changes in interest rates be considered by the agency as a factor in evaluating a banking organization&#146;s capital
adequacy. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Dodd-Frank Act contains a number of provisions dealing with capital adequacy of insured depository institutions
and their holding companies, which may result in more stringent capital requirements. Under the Collins Amendment to the Dodd-Frank Act, federal regulators have been directed to establish minimum leverage and risk-based capital requirements for,
among other entities, banks and bank holding companies on a consolidated basis. These minimum requirements can&#146;t be less than the generally applicable leverage and risk-based capital requirements established for insured depository institutions
nor quantitatively lower than the leverage and risk-based capital requirements established for insured depository institutions that were in effect as of July&nbsp;21, 2010.&nbsp;These requirements in effect create capital level floors for bank
holding companies similar to those in place currently for insured depository institutions. The Collins Amendment also excludes trust preferred securities issued after May&nbsp;19, 2010 from being included in Tier 1 capital unless the issuing company
is a bank holding company with less than $500 million in total assets. Trust preferred securities issued prior to that date will continue to count as Tier 1 capital for bank holding companies with less than $15 billion in total assets, and such
securities will be phased out of Tier 1 capital treatment for bank holding companies with over $15 billion in total assets over a three-year period beginning in 2013. Accordingly, the Company&#146;s trust preferred securities will continue to
qualify as Tier 1 capital. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The FDIC may take various corrective actions against any undercapitalized bank and any bank that
fails to submit an acceptable capital restoration plan or fails to implement a plan acceptable to the FDIC. These powers include, but are not limited to, requiring the institution to be recapitalized, prohibiting asset growth, restricting interest
rates paid, requiring prior approval of capital distributions by any bank holding company that controls the institution, requiring divestiture by the institution of its subsidiaries or by the holding company of the institution itself, requiring new
election of directors, and requiring the dismissal of directors and officers. The Bank presently maintains sufficient capital to remain well capitalized under these guidelines. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Other Safety and Soundness Regulations</I>. There are a number of obligations and restrictions imposed on bank holding companies and
their depository institution subsidiaries by federal law and regulatory policy that are designed to reduce potential loss exposure to the depositors of such depository institutions and to the FDIC insurance funds in the event that the depository
institution is insolvent or is in danger of becoming insolvent. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">For example, under the requirements of the Federal Reserve Board with respect
to bank holding company operations, a bank holding company is required to serve as a source of financial strength to its subsidiary depository institutions and to commit resources to support such institutions in circumstances where it might not do
so otherwise. In addition, the &#147;cross-guarantee&#148; provisions of federal law require insured depository institutions under common control to reimburse the FDIC for any loss suffered or reasonably anticipated by the FDIC as a result of the
insolvency of commonly controlled insured depository institutions or for any assistance provided by the FDIC to commonly controlled insured depository institutions in danger of failure. The FDIC may decline to enforce the cross-guarantee provision
if it determines that a waiver is in the best interests of the deposit insurance funds. The FDIC&#146;s claim for reimbursement under the cross guarantee provisions is superior to claims of shareholders of the insured depository institution or its
holding company but is subordinate to claims of depositors, secured creditors and nonaffiliated holders of subordinated debt of the commonly controlled insured depository institutions. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Interstate Banking and Branching</I>. Current federal law authorizes interstate
acquisitions of banks and bank holding companies without geographic limitation. Effective June&nbsp;1, 1997, a bank headquartered in one state is authorized to merge with a bank headquartered in another state, as long as neither of the states had
opted out of such interstate merger authority prior to such date. After a bank has established branches in a state through an interstate merger transaction, the bank may establish and acquire additional branches at any location in the state where a
bank headquartered in that state could have established or acquired branches under applicable federal or state law. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Monetary Policy</I>. The commercial banking business is affected not only by general economic conditions but also by the monetary
policies of the Federal Reserve Board. The instruments of monetary policy employed by the Federal Reserve Board include open market operations in United States government securities, changes in the discount rate on member bank borrowing and changes
in reserve requirements against deposits held by all federally insured banks. The Federal Reserve Board&#146;s monetary policies have had a significant effect on the operating results of commercial banks in the past and are expected to continue to
do so in the future. In view of changing conditions in the national and international economy and in the money markets, as well as the effect of actions by monetary fiscal authorities, including the Federal Reserve Board, no prediction can be made
as to possible future changes in interest rates, deposit levels, loan demand or the business and earnings of the Bank. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Federal Reserve System</I>. In 1980, Congress enacted legislation that imposed reserve requirements on all depository institutions
that maintain transaction accounts or nonpersonal time deposits. NOW accounts, money market deposit accounts and other types of accounts that permit payments or transfers to third parties fall within the definition of transaction accounts and are
subject to these reserve requirements, as are any nonpersonal time deposits at an institution. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The reserve percentages are
subject to adjustment by the Federal Reserve Board. Because required reserves must be maintained in the form of vault cash or in a non-interest-bearing account at, or on behalf of, a Federal Reserve Bank, the effect of the reserve requirement is to
reduce the amount of the institution&#146;s interest-earning assets. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Transactions with Affiliates</I>. Transactions
between banks and their affiliates are governed by Sections 23A and 23B of the Federal Reserve Act. An affiliate of a bank is any bank or entity that controls, is controlled by or is under common control with such bank. Generally, Sections 23A and
23B (i)&nbsp;limit the extent to which the Bank or its subsidiaries may engage in &#147;covered transactions&#148; with any one affiliate to an amount equal to 10% of such institution&#146;s capital stock and surplus, and maintain an aggregate limit
on all such transactions with affiliates to an amount equal to 20% of such capital stock and surplus, and (ii)&nbsp;require that all such transactions be on terms substantially the same, or at least as favorable, to the association or subsidiary as
those provided to a nonaffiliate. The term &#147;covered transaction&#148; includes the making of loans, purchase of assets, issuance of a guarantee and similar other types of transactions. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Transactions with Insiders</I>. The Federal Reserve Act and related regulations impose specific restrictions on loans to directors,
executive officers and principal shareholders of banks. Under Section&nbsp;22(h) of the Federal Reserve Act, loans to a director, an executive officer and to a principal shareholder of a bank, and some affiliated entities of any of the foregoing,
may not exceed, together with all other outstanding loans to such person and affiliated entities, the bank&#146;s loan-to-one borrower limit. Loans in the aggregate to insiders and their related interests as a class may not exceed two times the
bank&#146;s unimpaired capital and unimpaired surplus until the bank&#146;s total assets equal or exceed $100,000,000, at which time the aggregate is limited to the bank&#146;s unimpaired capital and unimpaired surplus. Section&nbsp;22(h) also
prohibits loans, above amounts prescribed by the appropriate federal banking agency, to directors, executive officers and principal shareholders of a bank or bank holding company, and their respective affiliates, unless such loan is approved in
advance by a majority of the board of directors of the bank with any &#147;interested&#148; director not participating in the voting. The FDIC has prescribed the loan amount, which includes all other outstanding loans to such person, as to which
such prior board of director approval is required, as being the greater of $25,000 or 5% of capital and surplus (up to $500,000). Section&nbsp;22(h) requires that loans to directors, executive officers and principal shareholders be made on terms and
underwriting standards substantially the same as offered in comparable transactions to other persons. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Dodd-Frank Act also
provides that banks may not &#147;purchase an asset from, or sell an asset to&#148; a bank insider (or their related interests) unless (i)&nbsp;the transaction is conducted on market terms between the parties, and (ii)&nbsp;if the proposed
transaction represents more than 10 percent of the capital stock and surplus of the bank, it has been approved in advance by a majority of the bank&#146;s non-interested directors. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Community Reinvestment Act</I>. Under the Community Reinvestment Act and related regulations, depository institutions have an
affirmative obligation to assist in meeting the credit needs of their market areas, including low and moderate-income areas, consistent with safe and sound banking practice. The Community Reinvestment Act requires the adoption by each institution of
a Community Reinvestment Act statement for each of its market areas describing the depository institution&#146;s efforts to assist in its community&#146;s credit needs. Depository institutions are periodically examined for compliance with the
Community Reinvestment Act and are periodically assigned ratings in this regard. Banking regulators consider a depository institution&#146;s Community Reinvestment Act rating when reviewing applications to establish new branches, undertake new lines
of business, and/or acquire part or all of another depository institution. An unsatisfactory rating can significantly delay or even prohibit regulatory approval of a proposed transaction by a bank holding company or its depository institution
subsidiaries. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Gramm-Leach-Bliley Act and federal bank regulators have made various changes to the Community Reinvestment
Act. Among other changes, Community Reinvestment Act agreements with private parties must be disclosed and annual reports must be made to a bank&#146;s primary federal regulator. A bank holding company will not be permitted to become a financial
holding company and no new activities authorized under the GLBA may be commenced by a holding company or by a bank financial subsidiary if any of its bank subsidiaries received less than a &#147;satisfactory&#148; rating in its latest Community
Reinvestment Act examination. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Fair Lending; Consumer Laws</I>. In addition to the Community Reinvestment Act, other
federal and state laws regulate various lending and consumer aspects of the banking business. Governmental agencies, including the Department of Housing and Urban Development, the Federal Trade Commission and the Department of Justice, have become
concerned that prospective borrowers experience discrimination in their efforts to obtain loans from depository and other lending institutions. These agencies have brought litigation against depository institutions alleging discrimination against
borrowers. Many of these suits have been settled, in some cases for material sums, short of a full trial. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">These governmental
agencies have clarified what they consider to be lending discrimination and have specified various factors that they will use to determine the existence of lending discrimination under the Equal Credit Opportunity Act and the Fair Housing Act,
including evidence that a lender discriminated on a prohibited basis, evidence that a lender treated applicants differently based on prohibited factors in the absence of evidence that the treatment was the result of prejudice or a conscious
intention to discriminate, and evidence that a lender applied an otherwise neutral non-discriminatory policy uniformly to all applicants, but the practice had a discriminatory effect, unless the practice could be justified as a business necessity.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Banks and other depository institutions are also subject to numerous consumer-oriented laws and regulations. These laws,
which include the Truth in Lending Act, the Truth in Savings Act, the Real Estate Settlement Procedures Act, the Electronic Funds Transfer Act, the Equal Credit Opportunity Act, and the Fair Housing Act, require compliance by depository institutions
with various disclosure requirements and requirements regulating the availability of funds after deposit or the making of some loans to customers. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Gramm-Leach-Bliley Act of 1999</I>. The Gramm-Leach-Bliley Act of 1999 was signed into law on November&nbsp;12, 1999. The GLBA covers a broad range of issues, including a repeal of most of the
restrictions on affiliations among depository institutions, securities firms and insurance companies. The following description summarizes some of its significant provisions. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The GLBA repeals sections 20 and 32 of the Glass-Steagall Act, thus permitting unrestricted affiliations between banks and securities firms. It also permits bank holding companies to elect to become
financial holding companies. A financial holding company may engage in or acquire companies that engage in a broad range of financial services, including securities activities such as underwriting, dealing, investment, merchant banking, insurance
underwriting, sales and brokerage activities. In order to become a financial holding company, the bank holding company and all of its affiliated depository institutions must be well-capitalized, well-managed and have at least a satisfactory
Community Reinvestment Act rating. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The GLBA provides that the states continue to have the authority to regulate insurance
activities, but prohibits the states in most instances from preventing or significantly interfering with the ability of a bank, directly or through an affiliate, to engage in insurance sales, solicitations or cross-marketing activities. Although the
states generally must regulate bank insurance activities in a nondiscriminatory manner, the states may continue to adopt and enforce rules that specifically regulate bank insurance activities in specific areas identified under the law. Under the new
law, the federal bank regulatory agencies adopted insurance consumer protection regulations that apply to sales practices, solicitations, advertising and disclosures. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The GLBA adopts a system of functional regulation under which the Federal Reserve Board is designated as the umbrella regulator for financial holding companies, but financial holding company affiliates
are principally regulated by functional regulators such as the FDIC for state nonmember bank affiliates, the Securities and Exchange Commission for securities affiliates, and state insurance regulators for insurance affiliates. It repeals the broad
exemption of banks from the definitions of &#147;broker&#148; and &#147;dealer&#148; for purposes of the Securities Exchange Act of 1934, as amended. It also identifies a set of specific activities, including traditional bank trust and fiduciary
activities, in which a bank may engage without being deemed a &#147;broker,&#148; and a set of activities in which a bank may engage without being deemed a &#147;dealer.&#148; Additionally, the new law makes conforming changes in the definitions of
&#147;broker&#148; and &#147;dealer&#148; for purposes of the Investment Company Act of 1940, as amended, and the Investment Advisers Act of 1940, as amended. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The GLBA contains extensive customer privacy protection provisions. Under these provisions, a financial institution must provide to its customers, both at the inception of the customer relationship and on
an annual basis, the institution&#146;s policies and procedures regarding the handling of customers&#146; nonpublic personal financial information. The new law provides that, except for specific limited exceptions, an institution may not provide
such personal information to unaffiliated third parties unless the institution discloses to the customer that such information may be so provided and the customer is given the opportunity to opt out of such disclosure. An institution may not
disclose to a non-affiliated third party, other than to a consumer reporting agency, customer account numbers or other similar account identifiers for marketing purposes. The GLBA also provides that the states may adopt customer privacy protections
that are more strict than those contained in the act. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Bank Secrecy Act</I>. Under the Bank Secrecy Act (&#147;BSA&#148;),
a financial institution is required to have systems in place to detect certain transactions, based on the size and nature of the transaction. Financial institutions are generally required to report cash transactions involving more than $10,000 to
the United States Treasury. In addition, financial institutions are required to file suspicious activity reports for transactions that involve more than $5,000 and which the financial institution knows, suspects or has reason to suspect, involves
illegal funds, is designed to evade the requirements of the BSA or has no lawful purpose. The USA PATRIOT Act, enacted in response to the September&nbsp;11, 2001 terrorist attacks, requires bank regulators to consider a financial institution&#146;s
compliance with the BSA when reviewing applications from a financial institution. As part of its BSA program, the USA PATRIOT Act also requires a financial institution to follow recently implemented customer identification procedures when opening
accounts for new customers and to review lists of individuals and entities who are prohibited from opening accounts at financial institutions. </FONT></P>
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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Sarbanes-Oxley Act of 2002. </I>The Sarbanes-Oxley Act represents a comprehensive
revision of laws affecting corporate governance, accounting obligations and corporate reporting. The Sarbanes-Oxley Act is applicable to all companies with equity securities registered or that file reports under the Securities Exchange Act of 1934.
In particular, the Sarbanes-Oxley Act establishes: (i)&nbsp;new requirements for audit committees, including independence, expertise, and responsibilities; (ii)&nbsp;additional responsibilities regarding financial statements for the Chief Executive
Officer and Chief Financial Officer of the reporting company; (iii)&nbsp;new standards for auditors and regulation of audits; (iv)&nbsp;increased disclosure and reporting obligations for the reporting company and its directors and executive
officers; and (v)&nbsp;new and increased civil and criminal penalties for violations of the securities laws. Many of the provisions were effective immediately while other provisions become effective over a period of time and are subject to
rulemaking by the SEC. Because the Company&#146;s common stock is registered with the SEC, it is currently subject to this Act. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Future Regulatory Uncertainty </I>Because federal and state regulation of financial institutions changes regularly and is the subject
of constant legislative debate, the Company cannot forecast how federal and state regulation of financial institutions may change in the future and, as a result, impact our operations. Although Congress and the state legislature in recent years have
sought to reduce the regulatory burden on financial institutions with respect to the approval of specific transactions, the Company fully expects that the financial institution industry will remain heavily regulated in the near future and that
additional laws or regulations may be adopted further regulating specific banking practices.<I> </I></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Incentive
Compensation. </I>In June 2010, the Federal Reserve issued a final rule on incentive compensation policies intended to ensure that the incentive compensation policies of banking organizations do not undermine the safety and soundness of such
organizations by encouraging excessive risk-taking. Banking organizations are instructed to review their incentive compensation policies to ensure that they do not encourage excessive risk-taking and implement corrective programs as needed. The
Federal Reserve Board will review, as part of the regular, risk-focused examination process, the incentive compensation arrangements of banking organizations, such as the Bank, that are not &#147;large, complex banking organizations.&#148; These
reviews will be tailored to each organization based on the scope and complexity of the organization&#146;s activities and the prevalence of incentive compensation arrangements. The findings of the supervisory initiatives will be included in reports
of examination. Deficiencies will be incorporated into the organization&#146;s supervisory ratings, which can affect the organization&#146;s ability to make acquisitions and take other actions. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Dodd-Frank Act. </I>In July 2010, the Dodd-Frank Act was signed into law, incorporating numerous financial institution regulatory
reforms. Many of these reforms will be implemented over the course of 2011 and beyond through regulations to be adopted by various federal banking and securities regulatory agencies. The Dodd-Frank Act implements far-reaching reforms of major
elements of the financial landscape, particularly for larger financial institutions. Many of its provisions do not directly impact community-based institutions like the Bank. For instance, provisions that regulate derivative transactions and limit
derivatives trading activity of federally-insured institutions, enhance supervision of &#147;systemically significant&#148; institutions, impose new regulatory authority over hedge funds, limit proprietary trading by banks, and phase-out the
eligibility of trust preferred securities for Tier 1 capital are among the provisions that do not directly impact the Bank either because of exemptions for institutions below a certain asset size or because of the nature of&nbsp;the Bank&#146;s
operations. Provisions that could impact the Bank include the following:<I> </I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>FDIC Assessments</I>.<I> </I>The Dodd-Frank Act changes the assessment base for federal deposit insurance from the amount of insured deposits to
average consolidated total assets less its average tangible equity. In addition, it increases the minimum size of the Deposit Insurance Fund (&#147;DIF&#148;) and eliminates its ceiling, with the burden of the increase in the minimum size on
institutions with more than $10 billion in assets. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Deposit Insurance. </I>The Dodd-Frank Act makes permanent the $250,000 limit for federal deposit insurance and provides unlimited federal deposit
insurance until December&nbsp;31, 2012 for non-interest-bearing demand transaction accounts at all insured depository institutions. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Interest on Demand Deposits. </I>The Dodd- Frank Act also provides that, effective one year after the date of enactment, depository institutions may
pay interest on demand deposits, including business transaction and other accounts. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Interchange Fees. </I>The Dodd-Frank Act requires the Federal Reserve to set a cap on debit card interchange fees charged to retailers. While banks
with less than $10 billion in assets, such as the Bank, are exempted from this measure, it is likely that all banks could be forced by market pressures to lower their interchange fees or face potential rejection of their cards by retailers.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Consumer Financial Protection Bureau. </I>The Dodd-Frank Act centralizes responsibility for consumer financial protection by creating a new agency,
the Consumer Financial Protection Bureau, responsible for implementing federal consumer protection laws, although banks below $10 billion in assets will continue to be examined and supervised for compliance with these laws by their federal bank
regulator. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Mortgage Lending. </I>New requirements are imposed on mortgage lending, including new minimum underwriting standards, prohibitions on certain
yield-spread compensation to mortgage originators, special consumer protections for mortgage loans that do not meet certain provision qualifications, prohibitions and limitations on certain mortgage terms and various new mandated disclosures to
mortgage borrowers. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Holding Company Capital Levels. </I>Bank regulators are required to establish minimum capital levels for holding companies that are at least as
stringent as those currently applicable to banks. In addition, all trust preferred securities issued after May&nbsp;19, 2010 will be counted as Tier 2 capital, but the Company&#146;s currently outstanding trust preferred securities will continue to
qualify as Tier 1 capital. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>De Novo Interstate Branching. </I>National and state banks are permitted to establish de novo interstate branches outside of their home state, and
bank holding companies and banks must be well-capitalized and well managed in order to acquire banks located outside their home state. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Transactions with Affiliates. </I>The Dodd-Frank Act enhances the requirements for certain transactions with affiliates under Section&nbsp;23A and
23B of the Federal Reserve Act, including an expansion of the definition of &#147;covered transactions&#148; and increasing the amount of time for which collateral requirements regarding covered transactions must be maintained.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Transactions with Insiders. </I>Insider transaction limitations are expanded through the strengthening of loan restrictions to insiders and the
expansion of the types of transactions subject to the various limits, including derivative transactions, repurchase agreements, reverse repurchase agreements and securities lending or borrowing transactions. Restrictions are also placed on certain
asset sales to and from an insider to an institution, including requirements that such sales be on market terms and, in certain circumstances, approved by the institution&#146;s board of directors. </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Corporate Governance. </I>The Dodd-Frank Act includes corporate governance revisions that apply to all public companies, not just financial
institutions, including with regard to executive compensation and proxy access to shareholders. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Many aspects of the Dodd-Frank Act are subject to rulemaking and will take effect over
several years, and their impact on the Company or the financial industry is difficult to predict before such regulations are adopted. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_3"></A>Item&nbsp;1A.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Risk Factors </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company
is subject to many risks that could adversely affect its future financial condition and performance and, therefore, the market value of its securities. The risk factors applicable to the Company include, but are not limited to the following:
</FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Difficult market conditions have adversely affected our industry. </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dramatic declines in the housing market, falling home prices and increasing foreclosures, and unemployment and under-employment have
negatively impacted the credit performance of real estate related loans and resulted in significant write-downs of asset values by financial institutions. These write-downs, initially of asset-backed securities but spreading to other securities and
loans, have caused many financial institutions to seek additional capital, to reduce or eliminate dividends, to merge with larger and stronger institutions and, in some cases, to fail. Reflecting concern about the stability of the financial markets
generally and the strength of counterparties, many lenders and institutional investors have reduced or ceased providing funding to borrowers, including to other financial institutions. This market turmoil and tightening of credit have led to an
increased level of commercial and consumer delinquencies, lack of consumer confidence, increased market volatility and widespread reduction of business activity generally. The resulting economic pressure on consumers and lack of confidence in the
financial markets has adversely affected our business and results of operations. Market developments may affect consumer confidence levels and may cause adverse changes in payment patterns, causing increases in delinquencies and default rates, which
may impact our charge-offs and provision for credit losses. A worsening of these conditions would likely exacerbate the adverse effects of these difficult market conditions on us and others in the financial institutions industry. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company&#146;s concentration in loans secured by real estate may increase its credit losses, which would negatively affect our financial results.
</B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">At December&nbsp;31, 2011, loans secured by real estate totaled $370,167,000 and represented 90.2% of the Company&#146;s
loan portfolio. If adverse changes in the local real estate market or in the local or national economy continue, borrowers&#146; ability to pay these loans may be further impaired, which could impact the Company&#146;s financial performance. The
Company attempts to limit its exposure to this risk by applying good underwriting practices at origination, evaluating the appraisals used to establish property values, and routinely monitoring the financial condition of borrowers. If the value of
real estate serving as collateral for the loan portfolio were to continue to decline materially, a significant part of the loan portfolio could become under-collateralized. If the loans that are secured by real estate become troubled when real
estate market conditions are declining or have declined, in the event of foreclosure, the Company may not be able to realize the amount of collateral that was anticipated at the time of originating the loan.&nbsp;In that event, the Company might
have to increase the provision for loan losses, which could have a material adverse effect on its operating results and financial condition. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>An inadequate allowance for loan losses would reduce our earnings. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Our earnings are significantly affected by our ability to properly originate, underwrite and service loans. We maintain an allowance for loan losses based upon many factors, including the following:
</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">actual loan loss history; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">volume, growth, and composition of the loan portfolio; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the amount of non-performing loans and the value of their related collateral; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the effect of changes in the local real estate market on collateral values; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the effect of current economic conditions on a borrower&#146;s ability to pay; and </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">other factors deemed relevant by management. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">These determinations are based upon estimates that are inherently subjective, and their accuracy depends on the outcome of future events; therefore, realized losses may differ from current estimates.
Changes in economic, operating, and other conditions, including changes in interest rates, which are generally beyond our control, could increase actual loan losses significantly. As a result, actual losses could exceed our current allowance
estimate. We cannot provide assurance that our allowance for loan losses is sufficient to cover actual loan losses should such losses differ significantly from the current estimates. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition, there can be no assurance that our methodology for assessing our asset quality will succeed in properly identifying impaired
loans or calculating an appropriate loan loss allowance. We could sustain losses if we incorrectly assess the creditworthiness of our borrowers or fail to detect or respond to deterioration in asset quality in a timely manner. If our assumptions and
judgments prove to be incorrect and the allowance for loan losses is inadequate to absorb losses, or if bank regulatory authorities require us to increase the allowance for loan losses as a part of their examination process, our earnings and capital
could be significantly and adversely affected. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company&#146;s success depends upon its ability to manage interest rate risk.
</B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The profitability of the Company depends significantly on its net interest income, which is the difference between the
interest earned on loans, securities and other interest-earning assets, and the interest paid on deposits and borrowings. Changes in interest rates will affect the rates earned on securities and loans and rates paid on deposits and other borrowings.
While the Company believes that its current interest rate exposure does not present any significant negative exposure to interest rate changes, it cannot eliminate its exposure to interest rate risk because the factors which cause interest rate risk
are beyond the Company&#146;s control. These factors include competition, federal economic, monetary and fiscal policies, and general economic conditions. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company may not be able to successfully manage its growth or implement its growth strategy, which may
adversely affect results of operations and financial condition. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">A key component of the Company&#146;s business strategy is
to continue to grow and expand. The Company&#146;s ability to grow and expand depends upon its ability to open new branch locations, attract new deposits to the existing and new branch locations, and identify attractive loan and investment
opportunities. The Company may not be able to implement its growth strategy if it is unable to identify attractive markets or branch locations. Once identified, successfully managing growth will depend on integrating the new branch locations while
maintaining adequate capital, cost controls and asset quality. As this growth strategy is implemented, the Company will incur construction costs and increased personnel, occupancy and other operating expenses. Because these costs are incurred before
new deposits and loans are generated, adding new branch locations will initially decrease earnings, despite efficient execution of this strategy. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>The Company&#146;s success depends upon its ability to compete effectively in the banking industry. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s banking subsidiary faces competition from banks and other financial institutions, including savings and loan associations, savings banks, finance companies and credit unions for
deposits, loans and other financial services in our market area. Certain divisions within the banking subsidiary face competition from wealth management and investment brokerage firms. A number of these banks and other financial institutions are
significantly larger and have substantially greater access to capital and other resources, as well as larger lending limits and branch systems, and offer a wider array of banking services. This competition may reduce or limit our margins and our
market share and may adversely affect our results of operations and financial condition. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company could be adversely affected by
economic conditions in its market area. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s branches are located in the counties of Clarke, Frederick and
Loudoun, and the City of Winchester. The current recession presents numerous challenges to the way we do business. Poor economic conditions, which are beyond our control, negatively impact the Company&#146;s financial condition and performance.
These conditions influence the volume of loans and deposits, the asset quality of the loan portfolio, and pricing of loans and deposits. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The soundness of other financial institutions could adversely affect us. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Our ability to engage in routine funding transactions could be adversely affected by the actions and commercial soundness of other financial institutions. Financial services institutions are interrelated
as a result of trading, clearing, counterparty or other relationships. We have exposure to many different industries and counterparties, and we routinely execute transactions with counterparties in the financial industry. As a result, defaults by,
or even rumors or questions about, one or more financial services institutions, or the financial services industry generally, have led to market-wide liquidity problems and could lead to losses or defaults by us or by other institutions. Many of
these transactions expose us to credit risk in the event of default of our counterparty or client. In addition, our credit risk may be exacerbated when the collateral held by us cannot be realized upon or is liquidated at prices not sufficient to
recover the full amount of the financial instrument exposure due us. There is no assurance that any such losses would not materially and adversely affect our results of operations. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Government measures to regulate the financial industry, including the recently enacted Dodd-Frank Act, subject us to increased regulation and could adversely affect us. </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As a financial institution, we are heavily regulated at the state and federal levels. As a result of the financial crisis and related
global economic downturn that began in 2007, we have faced, and expect to continue to face, increased public and legislative scrutiny as well as stricter and more comprehensive regulation of our financial services practices. In July 2010, the
Dodd-Frank Act was signed into law. The Dodd-Frank Act includes significant changes in the financial regulatory landscape and will impact all financial institutions, including the Company and the Bank. Many of the provisions of the Dodd-Frank Act
have begun to be or will be implemented over the next several months and years and will be subject both to further rulemaking and the discretion of applicable regulatory bodies. Because the ultimate impact of the Dodd-Frank Act will depend on future
regulatory rulemaking and interpretation, we cannot predict the full effect of this legislation on our businesses, financial condition or results of operations. Among other things, the Dodd-Frank Act and the regulations implemented thereunder could
limit debit card interchange fees, increase FDIC assessments, impose new requirements on mortgage lending, and establish more stringent capital requirements on bank holding companies. As a result of these and other provisions in the Dodd-Frank Act,
we could experience additional costs, as well as limitations on the products and services we offer and on our ability to efficiently pursue business opportunities, which may adversely affect our businesses, financial condition or results of
operations. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>The Company relies heavily on its senior management team and the unexpected loss of key officers could adversely affect
operations. </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company believes that its growth and success depends heavily upon the skills of its senior management
team. The Company also depends on the experience of its subsidiary&#146;s officers and on their relationships with the customers they serve. The loss of one or more of these officers could disrupt the Company&#146;s operations and impair its ability
to implement its business strategy, which could adversely affect the Company&#146;s financial condition and performance. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10 </FONT></P>



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<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_4"></A>Item&nbsp;1B.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Unresolved Staff Comments </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">None. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_5"></A>Item&nbsp;2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Properties </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company
owns or leases buildings which are used in normal business operations. The following list contains information about the business locations of the Company. Information about the functional purpose of the location and whether the location is owned or
leased is included in the list. The Company believes that its properties are maintained in good operating condition and are suitable and adequate for its purposes. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="22%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD WIDTH="72%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate&nbsp;Headquarters:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2&nbsp;East&nbsp;Main&nbsp;Street</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Berryville,&nbsp;Virginia&nbsp;22611</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">County of Clarke</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">The main office, owned by the Bank, is a two-story building of brick construction. It houses a full-service branch location, including lending services. In addition, it houses
the Bank&#146;s Operations, Information Technology, Finance, Human Resources, and Marketing Departments. This location has an ATM, but no drive-up banking.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Banking&nbsp;Locations:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">108&nbsp;West&nbsp;Main&nbsp;Street</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Boyce,&nbsp;Virginia&nbsp;22620</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, owned by the Bank, has a full-service lobby, including lending services. It also has drive-up banking, and a drive-up ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">202&nbsp;North&nbsp;Loudoun&nbsp;Street</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Winchester,&nbsp;Virginia&nbsp;22601</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, owned by the Bank, is a three-story brick building. The first floor houses the branch services, including drive-up banking and a drive-up ATM. The Bank&#146;s loan
department is located on the second floor, which includes loan officers, loan operations and collections. Eagle Investment Group is located on the third floor along with a few businesses who lease office space that the Bank does not currently need.
The basement of this location serves as a training facility for the Bank.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">400 McNeil Drive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Berryville,&nbsp;Virginia&nbsp;22611</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, owned by the Bank, offers drive-up banking only. It also has a drive-up ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1508&nbsp;Senseny&nbsp;Road</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Winchester,&nbsp;Virginia&nbsp;22602</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, owned by the Bank, has a full-service lobby, including lending services. It also has drive-up banking and a drive-up ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1460&nbsp;North&nbsp;Frederick&nbsp;Pike</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Winchester,&nbsp;Virginia&nbsp;22602</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, owned by the Bank, has a full-service lobby, including lending services. It also has drive-up banking and a drive-up ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">3360 Valley Pike</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Winchester,&nbsp;Virginia&nbsp;22602</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, owned by the Bank, has a full-service lobby, including lending services. It also has drive-up banking and a drive-up ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1879&nbsp;Berryville&nbsp;Pike</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Winchester,&nbsp;Virginia&nbsp;22602</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank leases the land on which this branch was constructed. This location has a full-service lobby, including lending services. It also has drive-up banking and a drive-up
ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">382 Fairfax Pike</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stephens&nbsp;City,&nbsp;Virginia&nbsp;22655</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, owned by the Bank, has a full-service lobby, including lending services. It also has drive-up banking and a drive-up ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2555&nbsp;Pleasant&nbsp;Valley&nbsp;Road</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Winchester,&nbsp;Virginia&nbsp;22601</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, owned by the Bank, opened in July 2010 and replaced the branch located on Jubal Early Drive. The branch has a full-service lobby, including lending services. It
also has drive-up banking and a drive-up ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">110&nbsp;Crock&nbsp;Wells&nbsp;Mill&nbsp;Drive</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Winchester,&nbsp;Virginia&nbsp;22603</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, owned by the Bank, has a full-service lobby, including lending services. It also has drive-up banking and a drive-up ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">21 Main Street</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Round&nbsp;Hill,&nbsp;VA&nbsp;20141</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">This location, leased by the Bank, opened in 2011 and is the bank&#146;s first branch located in Loudoun County. It has a full-service lobby, including lending services. It also
has drive-up banking and a drive-up ATM.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other Properties:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">None</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">11 </FONT></P>



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<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_6"></A>Item&nbsp;3.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Legal Proceedings </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">There
are no material pending legal proceedings to which the Company is a party or of which the property of the Company is subject. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_7"></A>Item&nbsp;4.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Mine Safety Disclosures </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">None </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">12 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_8"></A>PART II </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_9"></A>Item&nbsp;5.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Market for Registrant&#146;s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s common stock is not listed for trading on a registered exchange. Shares of the common stock of the Company are traded
on the over-the-counter (OTC) market and quoted on the OTC Bulletin Board under the symbol &#147;EFSI.&#148; The OTC Bulletin Board provides information about the common stock to professional market makers who match sellers with buyers. Securities
brokers can obtain information from the OTC Bulletin Board when working with clients. When a client decides to initiate a transaction, the broker will contact one of the stock&#146;s market makers. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has a limited record of trades involving its common stock in the sense of &#147;bid&#148; and &#147;ask&#148; prices or in
highs and lows. The effort to accurately disclose trading prices is made more difficult due to the fact that price per share information is not required to be disclosed to the Company when shares of its stock have been sold by holders and purchased
by others. The table titled &#147;Common Stock Market Price and Dividend Data&#148; summarizes the high and low sales prices of shares of the Company&#146;s common stock on the basis of trades known to the Company (including trades through the OTC
Bulletin Board) and dividends declared during 2011 and 2010. The Company may not be aware of the per share price of all trades made. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Common Stock Market Price and Dividend Data </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="24%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Dividends Per Share</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>High</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Low</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>High</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Low</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">1st&nbsp;Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2nd&nbsp;Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">3rd&nbsp;Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">4th&nbsp;Quarter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of March&nbsp;7, 2012, the Company had approximately 1,162 shareholders of record. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has historically paid dividends on a quarterly basis. The final determination of the timing, amount and payment of dividends
on the Common Stock is at the discretion of the Company&#146;s Board of Directors. Some of the factors affecting the payment of dividends on the Company&#146;s common stock are operating results, financial condition, capital adequacy, regulatory
requirements and shareholders returns. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company is organized under the Virginia Stock Corporation Act, which prohibits the
payment of a dividend if, after giving it effect, the corporation would not be able to pay its debts as they become due in the usual course of business or if the corporation&#146;s total assets would be less than the sum of its total liabilities
plus the amount that would be needed, if the corporation were to be dissolved, to satisfy the preferential rights upon dissolution of any preferred shareholders. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company is a legal entity separate and distinct from its subsidiaries. Its ability to distribute cash dividends will depend primarily on the ability of the Bank to pay dividends to it, and the Bank is
subject to laws and regulations that limit the amount of dividends that it can pay. As a state member bank, the Bank is subject to certain restrictions imposed by the reserve and capital requirements of federal and Virginia banking statutes and
regulations. Under Virginia law, a bank may not declare a dividend in excess of its undivided profits. Additionally, the Bank may not declare a dividend if the total amount of all dividends, including the proposed dividend, declared by it in any
calendar year exceeds the total of its retained net income of that year to date, combined with its retained net income of the two preceding years, unless the dividend is approved by the Federal Reserve. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Federal Reserve and the state of Virginia have the general authority to limit the dividends paid by insured banks if the payment is
deemed an unsafe and unsound practice. Both the state of Virginia and the Federal Reserve have indicated that paying dividends that deplete a bank&#146;s capital base to an inadequate level would be an unsound and unsafe banking practice. Under the
Federal Reserve&#146;s regulations, the Bank may not declare or pay any dividend in excess of its net income for the current year plus any retained net income from the prior two calendar years. The Bank may also not declare or pay a dividend without
the approval of its board and two-thirds of its shareholders if the dividend would exceed its undivided profits, as reported to the Federal Reserve. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In addition, the Company is subject to certain regulatory requirements to maintain capital at or above regulatory minimums. These regulatory requirements regarding capital affect its dividend policies.
The Federal Reserve has indicated that a bank holding company should generally pay dividends only if its current earnings are sufficient to fully fund the dividends, and the prospective rate of earnings retention appears consistent with the
organization&#146;s capital needs, asset quality and overall financial condition. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Issuer Purchases of Equity Securities for the Quarter
Ended December&nbsp;31, 2011 </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table details the Company&#146;s purchases of its common stock during the
fourth quarter pursuant to the Stock Repurchase Program announced on September&nbsp;19, 2011. The Company authorized 150,000 shares for repurchase under the Stock Repurchase program. The Program has an expiration date of June&nbsp;30, 2012.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">13 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total&nbsp;Number&nbsp;of<BR>Shares&nbsp;Purchased</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average&nbsp;Price&nbsp;Paid<BR>Per Share</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total&nbsp;Number&nbsp;of&nbsp;Shares<BR>Purchased as Part&nbsp;of<BR>Publicly&nbsp;Announced&nbsp;Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Maximum&nbsp;Number&nbsp;of<BR>Shares&nbsp;that&nbsp;may&nbsp;Yet&nbsp;Be<BR>Purchased&nbsp;Under&nbsp;the&nbsp;Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">October&nbsp;1 - October 31, 2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">November&nbsp;1 - November 30, 2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">136,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">December&nbsp;1 - December 31, 2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">134,337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,663</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,663</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">134,337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Stock Performance </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%;padding-bottom:0px;"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following line graph compares the cumulative total return to the shareholders of the Company to the returns of the NASDAQ Bank Index and the NASDAQ Composite Index for the last five years. The amounts
in the table represent the value of the investment on December&nbsp;31</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">st</SUP></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"> of the year indicated, assuming $100 was initially invested on December&nbsp;31, 2006 and the reinvestment of dividends. See Management Discussion and Analysis sections Liquidity and Capital Resources
and Note 17, &#147;Restrictions on Dividends, Loans and Advances&#148; to the Consolidated Financial Statements for information on Eagle Financial Services, Inc. ability and intent to pay dividends. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g319465g63n26.jpg" ALT="LOGO">
 </P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2006</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Eagle Financial Services, Inc.</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B> 78</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;57</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;58</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B> 64</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B> 68</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NASDAQ Bank Index</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>78</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>59</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>48</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>54</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>47</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NASDAQ Composite Index</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>100</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>110</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>65</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>94</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>110</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>108</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>&nbsp;&nbsp;</B></FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">14 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_10"></A>Item&nbsp;6.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Selected Financial Data </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents selected financial data, which was derived from the Company&#146;s audited financial statements for the
periods indicated. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(dollars in thousands, except per share amounts)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Income Statement Data:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest and dividend income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,571</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">29,439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,530</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,512</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,892</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,259</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income after provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,016</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,720</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,499</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,626</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,609</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net revenue</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,601</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,433</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,936</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,226</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,912</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,809</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,480</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,814</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,693</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,624</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Applicable income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net Income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,055</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,261</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Performance Ratios:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Shareholders&#146; equity to assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividend payout ratio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-performing loans to total loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-performing assets to total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Per Share Data:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income, basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income, diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash dividends declared</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Book value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14.79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14.57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Market price</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average shares outstanding, basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,292,290</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,243,292</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,177,244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,136,535</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,101,276</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average shares outstanding, diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,299,998</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,250,868</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,184,534</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,143,907</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,113,792</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Balance Sheet Data:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">117,654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">113,776</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">101,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">98,919</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">84,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">410,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">408,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">404,066</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">390,086</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">389,661</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">568,022</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">558,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">535,385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">528,142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">507,551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">448,465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">429,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">398,107</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">386,527</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">379,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58,090</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">53,829</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51,643</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">46,829</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">15 </FONT></P>



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<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_11"></A>Item&nbsp;7.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Management&#146;s Discussion and Analysis of Financial Condition and Results of Operation </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The purpose of this discussion is to focus on the important factors affecting the financial condition, results of operations, liquidity
and capital resources of Eagle Financial Services, Inc. (the &#147;Company&#148;). This discussion should be read in conjunction with the Company&#146;s Consolidated Financial Statements and the Notes to the Consolidated Financial Statements
presented in Item&nbsp;8, Financial Statements and Supplementary Data, of this Form 10-K. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">GENERAL </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company is a bank holding company which owns 100% of the stock of Bank of Clarke County (the &#147;Bank&#148;). Accordingly, the
results of operations for the Company are dependent upon the operations of the Bank. The Bank conducts commercial banking business which consists of attracting deposits from the general public and investing those funds in commercial, consumer and
real estate loans and corporate, municipal and U.S. government agency securities. The Bank&#146;s deposits are insured by the Federal Deposit Insurance Corporation to the extent permitted by law. At December&nbsp;31, 2011, the Company had total
assets of $568,022,000, net loans of $401,681,000, total deposits of $448,465,000 and shareholders&#146; equity of $58,090,000. The Company&#146;s net income was $4,322,000 for the year ended December&nbsp;31, 2011. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">MANAGEMENT&#146;S STRATEGY </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
Company strives to be an outstanding financial institution in its market by building solid sustainable relationships with: (1)&nbsp;its customers, by providing highly personalized customer service, a network of conveniently placed branches and ATMs,
a competitive variety of products/services and courteous, professional employees, (2)&nbsp;its employees, by providing generous benefits, a positive work environment, advancement opportunities and incentives to exceed expectations, (3)&nbsp;its
communities, by participating in local concerns, providing monetary support, supporting employee volunteerism and providing employment opportunities, and (4)&nbsp;its shareholders, by providing sound profits and returns, sustainable growth, regular
dividends and committing to our local, independent status. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">OPERATING STRATEGY </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank is a locally owned and managed financial institution. This allows the Bank to be flexible and responsive in the products and
services it offers. The Bank grows primarily by lending funds to local residents and businesses at a competitive price that reflects the inherent risk of lending. The Bank attempts to fund these loans through deposits gathered from local residents
and businesses. The Bank prices its deposits by comparing alternative sources of funds and selecting the lowest cost available. When deposits are not adequate to fund asset growth, the Bank relies on borrowings, both short and long term. The
Bank&#146;s primary source of borrowed funds is the Federal Home Loan Bank of Atlanta which offers numerous terms and rate structures to the Bank. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">As interest rates change, the Bank attempts to maintain its net interest margin. This is accomplished by changing the price, terms, and mix of its financial assets and liabilities. The Bank also earns
fees on services provided through Eagle Investment Group, which is the Bank&#146;s investment management division that offers both trust services and investment sales, mortgage originations and deposit operations. The Bank also incurs noninterest
expenses associated with compensating employees, maintaining and acquiring fixed assets, and purchasing goods and services necessary to support its daily operations. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Bank has a marketing department which seeks to develop new business. This is accomplished through an ongoing calling program whereby account officers visit with existing and potential customers to
discuss the products and services offered. The Bank also utilizes traditional advertising such as television commercials, radio ads, newspaper ads, and billboards. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">LENDING POLICIES </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Administration and supervision over the lending process is
provided by the Bank&#146;s Credit Administration Department. The principal risk associated with the Bank&#146;s loan portfolio is the creditworthiness of its borrowers. In an effort to manage this risk, the Bank&#146;s policy gives loan amount
approval limits to individual loan officers based on their position and level of experience. Credit risk is increased or decreased, depending on the type of loan and prevailing economic conditions. In consideration of the different types of loans in
the portfolio, the risk associated with real estate mortgage loans, commercial loans and consumer loans varies based on employment levels, consumer confidence, fluctuations in the value of real estate and other conditions that affect the ability of
borrowers to repay debt. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has written policies and procedures to help manage credit risk. The Company utilizes a
loan review process that includes formulation of portfolio management strategy, guidelines for underwriting standards and risk assessment, procedures for ongoing identification and management of credit deterioration, and regular portfolio reviews to
establish loss exposure and to ascertain compliance with the Company&#146;s policies. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">16 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank uses a tiered approach to approve credit requests consisting of individual lending
authorities, a senior management loan committee, and a director loan committee.&nbsp;Lending limits for individuals and the Senior Loan Committee are set by the Board of Directors and are determined by loan purpose, collateral type, and internal
risk rating of the borrower.&nbsp;The highest individual authority (Category I) is assigned to the Bank&#146;s President / Chief Executive Officer, Senior Loan Officer and Senior Credit Officer (approval authority only).&nbsp;Two officers in
Category I may combine their authority to approve loan requests to borrowers with credit exposure up to $1,000,000 on a secured basis and $500,000 unsecured.&nbsp;Officers in Category II, III, IV, V, VI and VII have lesser authorities and with
approval of a Category I officer may extend loans to borrowers with exposure of $500,000 on a secured basis and $250,000 unsecured.&nbsp;Loan exposures up to $1,000,000 may be approved with the concurrence of two, Category I officers.&nbsp;Loans to
borrowers with total credit exposures between $1,000,000 and $3,000,000 are approved by the Senior Loan Committee consisting of the President, Chief Operating Officer, Senior Loan </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Officer, Senior Credit Officer, and Chief Financial Officer.&nbsp;Approval of the Senior Loan Committee is required prior to being referred to the Director Loan Committee for approval.&nbsp;Loans
exceeding $3,000,000 and up to the Bank&#146;s legal lending limit can be approved by the Director Loan Committee consisting of four directors (three directors constituting a forum).&nbsp;The Director&#146;s Loan Committee also reviews and approves
changes to the Bank&#146;s Loan Policy as presented by management.</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following sections discuss the major loan categories within the total
loan portfolio: </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>One-to-Four-Family Residential Real Estate Lending </I></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential lending activity may be generated by the Bank&#146;s loan officer solicitations, referrals by real estate professionals, and
existing or new bank customers. Loan applications are taken by a Bank loan officer. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential
collateral is provided by independent fee appraisers who have been approved by the Bank&#146;s Directors Loan Committee. In connection with residential real estate loans, the Bank requires title insurance, hazard insurance and, if applicable, flood
insurance. In addition to traditional residential mortgage loans secured by a first or junior lien on the property, the Bank offers home equity lines of credit. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Commercial Real Estate Lending </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial real estate loans are secured by
various types of commercial real estate in the Bank&#146;s market area, including multi-family residential buildings, commercial buildings and offices, small shopping centers and churches. Commercial real estate loan originations are obtained
through broker referrals, direct solicitation of developers and continued business from customers. In its underwriting of commercial real estate, the Bank&#146;s loan to original appraised value ratio is generally 80% or less. Commercial real estate
lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the
repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the
economy, in general. The Bank&#146;s commercial real estate loan underwriting criteria require an examination of debt service coverage ratios, the borrower&#146;s creditworthiness, prior credit history and reputation, and the Bank typically requires
personal guarantees or endorsements of the borrowers&#146; principal owners. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Construction and Land Development Lending </I></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank makes local construction loans, primarily residential, and land acquisition and development loans. The construction loans are
secured by residential houses under construction and the underlying land for which the loan was obtained. The average life of most construction loans is less than one year and the Bank offers both fixed and variable rate interest structures. The
interest rate structure offered to customers depends on the total amount of these loans outstanding and the impact of the interest rate structure on the Bank&#146;s overall interest rate risk. There are two characteristics of construction lending
which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is
more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an
excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80% of the estimated appraised value of the finished home. The Bank also obtains a first lien on the property as
security for its construction loans and typically requires personal guarantees from the borrower&#146;s principal owners. Finally, the Bank performs inspections of the construction projects to ensure that the percentage of construction completed
correlates with the amount of draws on the construction line of credit. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Commercial and Industrial Lending </I></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial business loans generally have more risk than residential mortgage loans, but have higher yields. To manage these risks, the
Bank generally obtains appropriate collateral and personal guarantees from the borrower&#146;s principal owners and monitors the financial condition of its business borrowers. Residential mortgage loans generally are made on the basis of the
borrower&#146;s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. In contrast, commercial business loans typically are made on the basis of the borrower&#146;s
ability to make repayment from cash flow from its business and are secured by business assets, such as commercial real estate, accounts receivable, equipment and inventory. As a result, the availability of funds for the repayment of commercial
business loans is substantially dependent on the success of the business itself. Furthermore, the collateral for commercial business loans may depreciate over time and generally cannot be appraised with as much precision as residential real estate.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">17 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Consumer Lending </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Bank offers various secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. The Bank originates its consumer
loans within its geographic market area and these loans are generally made to customers with whom the Bank has an existing relationship. Consumer loans generally entail greater risk than residential mortgage loans, particularly in the case of
consumer loans which are unsecured or secured by rapidly depreciable assets such as automobiles. In such cases, any repossessed collateral on a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance
as a result of the greater likelihood of damage, loss or depreciation. Consumer loan collections are dependent on the borrower&#146;s continuing financial stability, and thus are more likely to be adversely affected by job loss, divorce, illness or
personal bankruptcy. Furthermore, the application of various federal and state laws, including federal and state bankruptcy and insolvency laws, may limit the amount which can be recovered on such loans. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The underwriting standards employed by the Bank for consumer loans include a determination of the applicant&#146;s payment history on
other debts and an assessment of ability to meet existing obligations and payments on the proposed loan. The stability of the applicant&#146;s monthly income may be determined by verification of gross monthly income from primary employment, and from
any verifiable secondary income. Although creditworthiness of the applicant is the primary consideration, the underwriting process also includes an analysis of the value of the security in relation to the proposed loan amount. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">CRITICAL ACCOUNTING POLICIES </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The financial statements of the Company are prepared in accordance with accounting principles generally accepted in the United States of
America (GAAP). The financial information contained within these statements is, to a significant extent, based on measurements of the financial effects of transactions and events that have already occurred. A variety of factors could affect the
ultimate value that is obtained when earning income, recognizing an expense, recovering an asset or relieving a liability. The Company uses historical loss factors as one element in determining the inherent loss that may be present in the loan
portfolio. Actual losses could differ significantly from the historical factors that are used. In addition, GAAP itself may change from one previously acceptable method to another method. Although the economics of the transactions would be the same,
the timing of events that would impact the transactions could change. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The allowance for loan losses is an estimate of the
losses that may be sustained in the Company&#146;s loan portfolio. As required by GAAP, the allowance for loan losses is accrued when their occurrence is probable and they can be estimated and that impairment losses be accrued based on the
differences between the loan balance and the value of its collateral, the present value of future cash flows, or the price established in the secondary market. The Company&#146;s allowance for loan losses has three basic components: the general
allowance, the specific allowance and the unallocated allowance. Each of these components is determined based upon estimates that can and do change when actual events occur. The general allowance uses historical experience factors to estimate future
losses and, as a result, the estimated amount of losses can differ significantly from the actual amount of losses which would be incurred in the future. However, the potential for significant differences is mitigated by continuously updating the
loss history of the Company. The specific allowance is based upon the evaluation of specific impaired loans on which a loss may be realized. Factors such as past due history, ability to pay, and collateral value are used to identify those loans on
which a loss may be realized. Each of these loans is then classified as to how much loss is estimated to be realized on its disposition. The sum of the losses on the individual loans becomes the Company&#146;s specific allowance. This process is
inherently subjective and actual losses may be greater than or less than the estimated specific allowance. The unallocated allowance captures losses that are attributable to various economic events which may affect a certain loan type within the
loan portfolio or a certain industrial or geographic sector within the Company&#146;s market. As the loans, which are affected by these events, are identified or losses are experienced on the loans which are affected by these events, they will be
reflected within the specific or formula allowances. Note 1 to the Consolidated Financial Statements presented in Item&nbsp;8, Financial Statements and Supplementary Data, of the 2011 Form 10-K, provides additional information related to the
allowance for loan losses. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">18 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">FORWARD LOOKING STATEMENTS </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company makes forward looking statements in this report that are subject to risks and uncertainties. These forward looking statements include statements regarding our profitability, liquidity,
allowance for loan losses, interest rate sensitivity, market risk, growth strategy, and financial and other goals. The words &#147;believes,&#148; &#147;expects,&#148; &#147;may,&#148; &#147;will,&#148; &#147;should,&#148; &#147;projects,&#148;
&#147;contemplates,&#148; &#147;anticipates,&#148; &#147;forecasts,&#148; &#147;intends,&#148; or other similar words or terms are intended to identify forward looking statements. These forward looking statements are subject to significant
uncertainties because they are based upon or are affected by factors including: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">difficult market conditions in our industry; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">unprecedented levels of market volatility; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">effects of soundness of other financial institutions; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">uncertain outcome of recently enacted legislation to stabilize the U.S. financial system; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">potential impact on us of recently enacted legislation; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the ability to successfully manage growth or implement growth strategies if the Bank is unable to identify attractive markets, locations or
opportunities to expand in the future; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">competition with other banks and financial institutions, and companies outside of the banking industry, including those companies that have
substantially greater access to capital and other resources; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">the successful management of interest rate risk; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">risks inherent in making loans such as repayment risks and fluctuating collateral values; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes in general economic and business conditions in the market area; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">reliance on the management team, including the ability to attract and retain key personnel; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes in interest rates and interest rate policies; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">maintaining capital levels adequate to support growth; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">maintaining cost controls and asset qualities as new branches are opened or acquired; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">demand, development and acceptance of new products and services; </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">problems with technology utilized by the Bank; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">changing trends in customer profiles and behavior; </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">changes in banking and other laws and regulations; and </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">other factors described in Item&nbsp;1A., &#147;Risk Factors,&#148; above. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Because of these uncertainties, actual future results may be materially different from the results indicated by these forward looking statements. In addition, past results of operations do not necessarily
indicate future results. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">19 </FONT></P>



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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">RESULTS OF OPERATIONS </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Net Income </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income for 2011 was $4,322,000, an increase of $717,000 or
19.9% over 2010&#146;s net income of $3,605,000. Net income for 2010 increased $164,000 or 4.8% from 2009&#146;s net income of $3,441,000. Diluted earnings per share were $1.31, $1.11, and $1.08 for 2011, 2010, and 2009, respectively. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average assets (ROA) measures how efficiently the Company uses its assets to produce net income. Some issues reflected within
this efficiency include the Company&#146;s asset mix, funding sources, pricing, fee generation, and cost control. The ROA of the Company, on an annualized basis, was 0.76%, 0.65%, and 0.65% for 2011, 2010, and 2009, respectively. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Return on average equity (ROE) measures the utilization of shareholders&#146; equity in generating net income. This measurement is
affected by the same factors as ROA with consideration to how much of the Company&#146;s assets are funded by the shareholders. The ROE for the Company was 7.73%, 6.71%, and 7.06% for 2011, 2010, and 2009, respectively. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Net Interest Income </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net
interest income, the difference between total interest income and total interest expense, is the Company&#146;s primary source of earnings. Net interest income was $22,766,000 for 2011, $22,259,000 for 2010, and $20,660,000 for 2009, which
represents an increase of $507,000 or 2.3% and $1,599,000 or 7.7% for 2011 and 2010, respectively. Net interest income is derived from the volume of earning assets and the rates earned on those assets as compared to the cost of funds. Total interest
income was $27,571,000 for 2011, $27,789,000 for 2010, and $27,453,000 for 2009, which represents a decrease of $218,000 or 0.8% and an increase of $336,000 or 1.2% for 2011 and 2010, respectively. Total interest expense was $4,805,000 for 2011,
$5,530,000 for 2010, and $6,793,000 for 2009, which represents a decrease of $725,000 or 13.1% and $1,263,000 or 18.6% in 2011 and 2010, respectively. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The table titled &#147;Average Balances, Income and Expenses, Yields and Rates&#148; displays the composition of interest earnings assets and interest bearing liabilities and their respective yields and
rates for the years ended December&nbsp;31, 2011, 2010, and 2009. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The net interest margin was 4.40% for 2011, 4.38% for 2010,
and 4.31% for 2009. The net interest margin is calculated by dividing tax-equivalent net interest income by total average earnings assets. Tax-equivalent net interest income is calculated by adding the tax benefit on certain securities and loans,
whose interest is tax-exempt, to total interest income then subtracting total interest expense. The tax rate used to calculate the tax benefit was 34% for 2011, 2010, and 2009. The table titled &#147;Tax-Equivalent Net Interest Income&#148;
reconciles net interest income to tax-equivalent net interest income, which is not a measurement under GAAP, for the years ended December&nbsp;31, 2011, 2010, and 2009. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">20 </FONT></P>



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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Average Balances, Income and Expenses, Yields and Rates </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


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<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Balances</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Interest<BR>Income/<BR>Expense</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Yield/<BR>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Balances</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Interest<BR>Income/<BR>Expense</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Yield/<BR>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Balances</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Interest<BR>Income/<BR>Expense</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average<BR>Yield/<BR>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Assets:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Taxable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">80,146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">72,029</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,935</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">66,132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax-Exempt </FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,285</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,612</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,809</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">118,431</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,225</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">106,641</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">99,802</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,054</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Taxable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">396,430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">393,791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,269</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">382,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-accrual</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,352</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,515</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax-Exempt </FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">307</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,974</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">413</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">405,822</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">407,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,663</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">391,397</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal funds sold</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,326</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest-bearing deposits in other banks</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,054</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total earning assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">536,742</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">526,764</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,594</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">496,357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,673</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total non-earning assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,051</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,673</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,473</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">571,106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">553,799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">526,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities and Shareholders&#146; Equity:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest-bearing deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">NOW accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,410</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69,154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">274</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">306</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Money market accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73,879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">336</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">66,819</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">543</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Savings accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">47,852</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40,570</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,16 0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Time deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">$100,000 and more</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">618</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59,944</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">710</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,941</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less than $100,000</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">89,987</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,261</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,940</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94,523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest-bearing deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">340,343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">324,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">302,477</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal funds purchased and securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,742</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,473</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,736</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">392</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal Home Loan Bank advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44,214</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,685</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">56,277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63,709</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,042</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Trust preferred capital notes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">316</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest-bearing liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">407,516</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">403,394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,530</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">389,139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest-bearing liabilities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Demand deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104,041</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">93,583</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">84,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other Liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,048</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">515,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">500,091</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">477,438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">55,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">53,708</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">48,719</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities and shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">571,106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">553,799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">526,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,064</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest spread</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense as a percent of average earning assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest margin</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">Income and yields
are reported on a tax-equivalent basis using a federal tax rate of 34%. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">21 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Tax-Equivalent Net Interest Income </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>GAAP Financial Measurements:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest Income - Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,029</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,529</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest Income - Securities and Other Interest-Earnings Assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,542</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,452</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest Expense - Deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest Expense - Other Borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,547</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Total Net Interest Income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,259</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Non-GAAP Financial Measurements:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Add: Tax Benefit on Tax-Exempt Interest Income - Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Add: Tax Benefit on Tax-Exempt Interest Income - Securities and Other Interest-Earnings Assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">720</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">671</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">615</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Total Tax Benefit on Tax-Exempt Interest Income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">824</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">755</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Tax-Equivalent Net Interest Income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,064</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The tax-equivalent yield on earning assets decreased 14 basis points from 2010 to 2011 and 25 basis
points from 2009 to 2010. The tax-equivalent yield on securities decreased 19 basis points from 2010 to 2011 and 46 basis points from 2009 to 2010. The tax-equivalent yield on loans decreased 10 basis points from 2010 to 2011 and 11 basis points
from 2009 to 2010. The decrease in the yield on earning assets, securities, and the loan portfolio was primarily a result of the low interest rate environment that extended through 2011. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The average rate on interest-bearing liabilities decreased 19 basis points from 2010 to 2011 and 38 basis points from 2009 to 2010. These
changes were caused primarily by deposit pricing and product mix. The average rate on total interest-bearing deposits decreased 20 basis points from 2010 to 2011 and 42 basis points from 2009 to 2010. In general, deposit pricing is done in response
to monetary policy actions and yield curve changes. Local competition for funds affects the cost of time deposits, which are primarily comprised of certificates of deposit. The Company issues brokered certificates of deposit as a substitute for
offering promotional certificates of deposit when their rates are lower. The rates on brokered certificates of deposit are usually comparable with other wholesale funding sources and these funds can be gathered more efficiently without causing
existing deposits to reprice. The Company prefers to rely most heavily on non-maturity deposits, which include NOW accounts, money market accounts, and savings accounts. The average balance of non-maturity interest-bearing deposits increased
$10,598,000 or 6.0% from $176,543,000 during 2010 to $187,141,000 in 2011 and increased $20,044,000 or 12.8% from $156,499,000 during 2009 to $176,543,000 during 2010. Changes in the average rate on interest-bearing liabilities can also be affected
by the pricing on other sources of funds, namely borrowings. The Company utilizes overnight borrowings in the form of federal funds purchased and retail repurchase agreements. The Company also borrows funds for a longer term through wholesale
repurchase agreements, which require marketable securities as collateral. The average rate on these borrowings decreased 19 basis points from 2010 to 2011 and increased 1 basis point from 2009 to 2010. The cost of federal funds purchased is affected
by the Federal Reserve&#146;s changes in the federal funds target rate, which remained at 0.25% during 2011. The rate on retail repurchase agreements is variable and changes monthly. Finally, the Company borrows from the Federal Home Loan Bank
through short and long term advances. The average rate on FHLB advances increased 53 basis points from 2010 to 2011 and 7 basis points from 2009 to 2010. The average balance on FHLB advances decreased $12,063,000 in 2011. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table titled &#147;Volume and Rate Analysis&#148; provides information about the effect of changes in financial assets and
liabilities and changes in rates on net interest income. Non-accruing loans are excluded from the average outstanding loans. Tax-equivalent net interest income increased $526,000 during 2011. The increase in tax-equivalent net interest income during
2011 is comprised of an increase due to volume of $1,108,000 and a decrease due to rate of $582,000. The change in tax-equivalent net interest income during 2011 was primarily affected by low rates on deposits, Federal Home Loan Bank advances, and
taxable loans. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">22 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Volume and Rate Analysis (Tax-Equivalent Basis) </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="66%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
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<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011 vs 2010</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Increase
(Decrease)</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Due to Changes in:</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010 vs 2009</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Increase
(Decrease)</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Due to Changes in:</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Volume</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Volume</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Earning Assets:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Taxable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">173</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(647</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax-exempt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Taxable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(602</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(408</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax-exempt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal funds sold</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest-bearing deposits in other banks</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total earning assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(802</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(199</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(936</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Interest-Bearing Liabilities:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">NOW accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Money market accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(136</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Savings accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Time deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">$100,000 and more</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(136</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">389</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less than $100,000</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(262</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest-bearing deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(678</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(544</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,528</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,057</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal funds purchased and securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal Home Loan Bank advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">487</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Trust preferred capital notes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest-bearing liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(505</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(725</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,483</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,263</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change in net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(582</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">526</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">547</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Provision for Loan Losses </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The provision for loan losses is based upon management&#146;s estimate of the amount required to maintain an adequate allowance for loan losses as discussed within the Critical Accounting Policies section
above. The provision for loan losses was $3,750,000 for 2011, $6,325,000 for 2010, and $4,350,000 for 2009. Changes in the amount of provision for loan losses during each period reflect the results of the Bank&#146;s analysis used to determine the
adequacy of the allowance for loan losses. The Company is committed to maintaining an allowance that adequately reflects the risk inherent in the loan portfolio. This commitment is more fully discussed in the &#147;Asset Quality&#148; section.
</FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Noninterest Income </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Total noninterest income was $5,585,000, $5,499,000, and $4,626,000 during 2011, 2010, and 2009, respectively. This represents an increase of $86,000 or 1.6% for 2011 and $873,000 or 18.9% for 2010.
Management reviews the activities which generate noninterest income on an ongoing basis. The following paragraphs provide information about activities which are included within the respective Consolidated Statements of Income headings. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In 2011, the Company sold $4,849,000 in available for sale securities for a net gain of $155,000. In 2010, the Company sold $2,853,000 in
available for sale securities for a gain of $98,000. In 2009, the Company sold $1,959,000 in available for sale securities for a net loss of $419,000 and a gain of $7,000 was recognized in calls of securities. During 2011, the Company also recorded
an impairment charge of $87,500 on a corporate security. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income from fiduciary activities, generated by trust services
offered through Eagle Investment Group, was $907,000, $917,000, and $818,000 during 2011, 2010, and 2009, respectively. This represents a decrease of $10,000 or 1.1% during 2011 and an increase of $99,000 or 12.1% during 2010. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Service charges on deposit accounts were $1,586,000, $1,784,000, and $2,053,000 during 2011, 2010, and 2009, respectively. This
represents a decrease of $198,000 or 11.1% for 2011 and $269,000 or 13.1% for 2010. The primary component of service charges on deposit accounts is overdraft fee income. The decline in income is primarily the result of lower overdraft fee volume.
However more recently, regulatory changes on the charges of these type fees have also negatively impacted this item. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">23 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other service charges and fees were $3,190,000, $2,993,000, and $2,148,000 during 2011,
2010, and 2009, respectively. This represents an increase of $197,000 or 6.6% for 2011 and $845,000 or 39.3% for 2010. The amount of other services charges and fees is comprised primarily of commissions from the sale of non-deposit investment
products, fees received from the Bank&#146;s credit card program, and fees generated from the Bank&#146;s ATM/debit card programs. Commissions from the sale of non-deposit investment products through Eagle Investment Group were $626,000, $509,000,
and $549,000 during 2011, 2010, and 2009, respectively. This represents an increase of $117,000 or 23.0% during 2011 and a decrease of $40,000 or 7.3% during 2010. The increase is due mainly to increased sales and the lack of commission fees charged
by Infinex for the last six months of 2011. The Company converted from Uvest to Infinex during 2011 and is not being charged monthly commission fees for a twelve month period. Fees received from the Bank&#146;s credit card program were $495,000,
$577,000 and $472,000 during 2011, 2010, and 2009, respectively. This represents a decrease of $82,000 or 14.2% during 2011 and an increase of $105,000 or 22.3% during 2010. Fees generated from the Bank&#146;s ATM/debit card programs were
$1,337,000, $1,166,000, and $719,000 during 2011, 2010, and 2009, respectively. This represents an increase of $171,000 or 14.7% in 2011 and $447,000 during 2010. Prior to 2010, ATM income was netted against expenses. This accounting change can be
attributed to the increase in 2010. Pursuant to a mandate in the Dodd-Frank Act, the Federal Reserve established rules in 2011 regarding interchange fees charged for electronic debit transactions by payment card issuers. This could potentially lower
the Bank&#146;s debit card income significantly in the future. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other operating income was $120,000, $128,000, and $52,000 for
2011, 2010, and 2009, respectively. This represents a decrease of $8,000 or 6.3% during 2011 and an increase of $76,000 or 146.2% during 2010. The increase in 2010 is from an increase in officer insurance income. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Noninterest Expenses </I></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total noninterest expenses were $18,908,000, 16,809,000, and $16,480,000 during 2011, 2010, and 2009, respectively. This represents an
increase of $2,099,000 or 12.5% during 2011 and $329,000 or 2.0% during 2010. The efficiency ratio of the Company was 63.42%, 58.23%, and 62.28% for 2011, 2010, and 2009, respectively. The efficiency ratio is calculated by dividing total noninterest
expenses by the sum of tax-equivalent net interest income and total noninterest income, excluding certain non-recurring gains and losses. A reconciliation of tax-equivalent net interest income, which is not a measurement under GAAP, to net interest
income is presented within the <I>Net Interest Income</I> section above. The following paragraphs provide information about expenses which are included within the respective Consolidated Statements of Income headings. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits were $10,609,000, $9,263,000, and $9,262,000 during 2011, 2010, and 2009, respectively. This represents an
increase of $1,346,000 or 14.5% for 2011 and $1,000 or 0.0% for 2010. During the fourth quarter of 2011, a net loss of $589,000 was realized on the distribution of the Company&#146;s defined benefit plan assets. Along with annual salary increases,
additional staff was hired during the latter part of 2010 and early 2011 for the April 2011 opening of the Company&#146;s newest branch in Loudoun County, VA which increased the Company&#146;s salary and benefit expenses by approximately $230,000.
Occupancy expenses were $1,155,000, $1,142,000, and $1,069,000 during 2011, 2010, and 2009, respectively. This represents an increase of $13,000 or 1.1% during 2011 and $73,000 or 6.8% during 2010. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equipment expenses were $676,000, $625,000, and $665,000 during 2011, 2010, and 2009, respectively. This represents an increase of
$51,000 or 8.2% during 2011 and a decrease of $40,000 or 6.0% during 2010. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Advertising and marketing expenses were $500,000,
$435,000, and $409,000 during 2011, 2010, and 2009, respectively. This represents an increase of $65,000 or 14.9% during 2011 and $26,000 or 6.4% during 2010. This category contains numerous expense types such as advertising, public relations,
business development, and charitable contributions. The annual budgeted amount of advertising and marketing expenses is directly related to the Company&#146;s growth in assets. The total amount of advertising and marketing expenses varies based on
planned events and advertising campaigns. Expenses are allocated in a manner which focuses on effectively reaching existing and potential customers within the market and contributing to the community. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">ATM network fees were $546,000, $442,000 and $104,000 during 2011, 2010, and 2009, respectively. This represents an increase of $104,000
or 23.5% during 2011 and $338,000 or 325.0% during 2010. During 2011, ATM network fees were mainly impacted by increased debit card usage. Prior to 2010, ATM income was netted against expenses. This accounting change can be attributed to the
increase in 2010. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other real estate owned expenses were $159,000, $19,000 and $366,000 during 2011, 2010, and 2009,
respectively. This represents an increase of $140,000 or 736.8% during 2011 and a decrease of $347,000 or 95% during 2010. The increase in 2011 is due mainly to valuation allowances established during the year as property values declined as well as
increased activity in other real estate owned. The decrease in 2010 is due mainly to significant valuation allowances established during 2009. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">FDIC assessments were $712,000, $852,000 and $801,000 during 2011, 2010, and 2009, respectively. FDIC assessments decreased $140,000 or 16.4% during 2011 and increased $51,000 or 6.4% during 2010. On
December&nbsp;30 2009, the Company prepaid their estimated quarterly FDIC assessments of $2,300,000 for 2010, 2011, and 2012. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outside service fees were $742,000, $423,000 and $313,000 during 2011, 2010, and 2009, respectively. This represents an increase of
$319,000 or 75.4% during 2011 and $110,000 or 35.1% during 2010. An additional $141,000 in expense was incurred during 2011 for the purchase of employee retirement annuities related to the distribution of the Company&#146;s defined benefit plan.
Other outside service fees were also affected by the increased review frequency of the Company&#146;s loan portfolio by an outside firm and the expense of placement fees related to brokered certificates of deposits that were called during the first
and fourth quarters of 2011. Together, those two matters increased other outside service fees by $221,000 in 2011. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">24 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other operating expenses were $2,634,000, $2,626,000, and $2,558,000 during 2011, 2010, and
2009. Other operating expenses increased $8,000 or 0.3% during 2011 and $68,000 or 2.7% during 2010. This category is primarily comprised of the cost for services required during normal operations of the Company. Expenses which are directly affected
by the number of branch locations and volume of accounts at the Bank include postage, insurance, telephone, and credit card processing fees. Other expenses within this category are auditing fees, legal fees, and director fees. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Income Taxes </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax
expense was $1,371,000, $1,019,000, and $1,015,000 for the years ended December&nbsp;31, 2011, 2010, and 2009, respectively. The change in income tax expense can be attributed to changes in taxable earnings at the federal statutory income tax rate
of 34%. These amounts correspond to an effective tax rate of 24.08%, 22.04%, and 22.78% for 2011, 2010, and 2009, respectively. Note 9 to the Consolidated Financial Statements provides a reconciliation between income tax expense computed using the
federal statutory income tax rate and the Company&#146;s actual income tax expense during 2011, 2010, and 2009. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">FINANCIAL CONDITION
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Assets, Liabilities and Shareholders&#146; Equity </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s total assets were $568,022,000 at December&nbsp;31, 2011, up $9,182,000 or 1.6% from $558,840,000 at December&nbsp;31, 2010. Securities increased $4,340,000 or 4.0% from 2010 to 2011.
Loans, net of allowance for loan losses, increased by $343,000 or 0.1% from 2010 to 2011. Total liabilities were $509,932,000 at December&nbsp;31, 2011, compared to $505,011,000 at December&nbsp;31, 2010. Total shareholders&#146; equity at year end
2011 and 2010 was $58,090,000 and $53,829,000, respectively. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Securities </I></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total securities at December&nbsp;31, 2011 were $114,134,000 as compared to $109,794,000 as of December&nbsp;31, 2010, which represents an
increase of $4,340,000 or 4.0% during 2011. The table titled &#147;Securities Portfolio&#148; shows the carrying value of securities at December&nbsp;31, 2011, 2010, and 2009. The Company purchased $46,798,000 in securities during 2011. This amount
includes $15,476,000 or 33.1% in obligations of U.S. government corporations and agencies, $22,917,000 or 49.0% in mortgage-backed securities, and $8,405,000 or 17.9% in obligations of states and political subdivisions. The Company had $40,166,000
in maturities and principal repayments on securities during 2011. This amount includes $30,500,000 or 75.9% in obligations of U.S. government corporations and agencies, $5,131,000 or 12.8% in mortgage-backed securities, $2,535,000 or 6.3% in
obligations of states and political subdivisions, and $2,000,000 or 5.0% in corporate securities. The Company did not have any securities from a single issuer, other than U.S. government agencies, whose amount exceeded 10% of shareholders&#146;
equity as of December&nbsp;31, 2011. Note 2 to the Consolidated Financial Statements provides additional details about the Company&#146;s securities portfolio as of December&nbsp;31, 2011 and 2010. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Securities Portfolio </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in
thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities available for sale:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government corporations and agencies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;27,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,057</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,944</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,145</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">96,811</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The ability to dispose of available for sale securities prior to maturity provides management more
options to react to future rate changes and provides more liquidity, when needed, to meet short-term obligations. The Company had a net unrealized gain on available for sale securities of $4,944,000 and $2,343,000 at December&nbsp;31, 2011 and 2010,
respectively. Unrealized gains or losses on available for sale securities are reported within shareholders&#146; equity, net of the related deferred tax effect, as accumulated other comprehensive income. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table titled &#147;Maturity Distribution and Yields of Securities&#148; shows the maturity period and average yield for the different
types of securities in the portfolio at December&nbsp;31, 2011. Although mortgage-backed securities have definitive maturities, they provide monthly principal curtailments which can be reinvested at a prevailing rate and for a different term.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">25 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Maturity Distribution and Yields of Securities </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
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<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31, 2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Due in one year<BR>or less</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Due after 1<BR>through 5 years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Due after 5<BR>through&nbsp;10&nbsp;years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Due&nbsp;after&nbsp;10&nbsp;years<BR>and<BR>Equity&nbsp;Securities</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Yield</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Yield</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Yield</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Yield</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Yield</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities available for sale:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government corporations and agencies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,861</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,587</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26,541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions, taxable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,458</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total taxable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,472</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,691</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">72,826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions, tax-exempt </FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9 ,641</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">41,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,020</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">Yields on
tax-exempt securities have been computed on a tax-equivalent basis using a federal tax rate of 34%. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Loan Portfolio
</I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s primary use of funds is supporting lending activities from which it derives the greatest amount of
interest income. Gross loans were $410,424,000 and $408,449,000 at December&nbsp;31, 2011 and 2010, respectively. This represents an increase of $1,975,000 or 0.5% for 2011. The ratio of loans to deposits decreased during the year from 95.1% to
91.5% at December&nbsp;31, 2010 and 2011, respectively. The table titled &#147;Loan Portfolio&#148; shows the composition of the loan portfolio over the last five years. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Loan Portfolio </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans secured by real estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and land development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,560</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,990</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Secured by farmland</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,390</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,468</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Secured by 1-4 family residential properties</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">212,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">207,671</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">205,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">189,874</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">182,343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,685</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">118,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,516</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">107,749</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">108,880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans to farmers</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,910</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,284</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,065</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,039</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial and industrial loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,629</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,027</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer installment loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">All other loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,025</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,583</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">410,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">408,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">404,066</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">390,086</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">389,661</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans secured by real estate were $370,167,000 or 90.2% and $364,852,000 or 89.3% of total loans at
December&nbsp;31, 2011 and 2010, respectively. This represents an increase of $5,315,000 or 1.5% for 2011. Consumer installment loans were $13,185,000 or 3.2% and $14,518,000 or 3.6% of total loans at December&nbsp;31, 2011 and 2010, respectively.
This represents a decrease of $1,333,000 or 9.2% for 2011. Commercial and industrial loans were $22,866,000 or 5.6% and $24,449,000 or 6.0% of total loans at December&nbsp;31, 2011 and 2010. This represents a decrease of $1,583,000 or 6.5% for 2011.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table titled &#147;Maturity Schedule of Selected Loans&#148; shows the different loan categories and the period during
which they mature. For loans maturing in more than one year, the table also shows a breakdown between fixed rate loans and floating rate loans. The table indicates that $340,591,000 or 83.0% of the loan portfolio matures within five years. The
floating rate loans maturing after five years are primarily comprised of home equity lines of credit. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">26 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Maturity Schedule of Selected Loans </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="69%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31, 2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Within</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1 Year</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>After</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>1 Year<BR>Within</B></FONT><br><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>5 Years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>After</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>5 Years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans secured by real estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and land development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,882</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,558</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Secured by farmland</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,061</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,329</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,390</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Secured by 1-4 family residential properties</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">124,440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">49,961</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">212,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,747</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,770</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26,659</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">118,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans to farmers</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,339</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">571</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,910</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial and industrial loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,023</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,235</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer installment loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,555</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">All other loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,663</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">577</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">110,559</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">230,032</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69,833</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">410,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">For maturities over one year:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Floating rate loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,522</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fixed rate loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">209,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">57,560</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">267,343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">230,032</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69,833</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">299,865</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Asset Quality </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company has policies and procedures designed to control credit risk and to maintain the quality of its loan portfolio. These include underwriting standards for new originations and ongoing monitoring
and reporting of asset quality and adequacy of the allowance for loan losses. There were $4,872,000 in total non-performing assets, which consist of nonaccrual loans, foreclosed property, and repossessed assets at December&nbsp;31, 2011. This is a
decrease of $5,310,000 when compared to the December&nbsp;31, 2010 balance of $10,182,000. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nonaccrual loans were $2,449,000
and $8,377,000 at December&nbsp;31, 2011 and 2010, respectively. The gross amount of interest income that would have been recognized on nonaccrual loans was $128,000 for 2011 and $341,000 for 2010. None of this interest income was included in net
income for 2011 or 2010. Management evaluates the financial condition of these borrowers and the value of any collateral on these loans. The results of these evaluations are used to estimate the amount of losses which may be realized on the
disposition of these nonaccrual loans. Nonaccrual loans that were evaluated for impairment at December&nbsp;31, 2011 totaled $2,449,000 and had $197,000 in specific allocations. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Foreclosed property increased to $2,378,000 at December&nbsp;31, 2011, compared to $1,783,000 at December&nbsp;31, 2010. When the
property is sold, the difference between the amount of other real estate owned and the settlement proceeds is recognized as a gain or loss on the sale of other real estate owned. A loss of $361,000 was recognized on the sale of other real estate
owned during 2011. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total loans past due 90 days or more and still accruing interest were $94,000 or 0.02%, $10,000 or less
than 0.01%, and $13,000 or less than 0.01% of total loans at December&nbsp;31, 2011, 2010, and 2009, respectively. The loans past due 90 days or more and still accruing interest are secured and in the process of collection; therefore, they are not
classified as nonaccrual. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Nonperforming and Other Assets </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Nonperforming assets consist of nonaccrual loans, other real estate owned (foreclosed properties), and repossessed assets. The table titled &#147;Nonperforming Assets&#148; shows the amount of
nonperforming assets and loans past due 90 days and accruing interest outstanding during the last five years. The table also shows the ratios for the allowance for loan losses as a percentage of nonperforming assets and nonperforming assets as a
percentage of loans outstanding and other real estate owned. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans are placed on non-accrual status when collection of
principal and interest is doubtful, generally when a loan becomes 90 days past due. There are three negative implications for earnings when a loan is placed on non-accrual status. First, all interest accrued but unpaid at the date that the loan is
placed on non-accrual status is either deducted from interest income or written off as a loss. Second, accruals of interest are discontinued until it becomes certain that both principal and interest can be repaid. Finally, there may be actual losses
that require additional provisions for loan losses to be charged against earnings. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">For real estate loans, upon foreclosure,
the balance of the loan is transferred to &#147;Other Real Estate Owned&#148; (&#147;OREO&#148;) and carried at the lower of the outstanding loan balance or the fair market value of the property based on current appraisals and other current market
trends, less selling costs. If a write down of the OREO property is necessary at the time of foreclosure, the amount is charged-off against the allowance for loan losses. A review of the recorded property value is performed in conjunction with
normal loan reviews, and if market conditions indicate that the recorded value exceeds the fair market value, additional write downs of the property value are charged directly to operations. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">27 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition, the Company may, under certain circumstances, restructure loans in troubled
debt restructurings as a concession to a borrower when the borrower is experiencing financial distress. Formal, standardized loan restructuring programs are not utilized by the Company. Each loan considered for restructuring is evaluated based on
customer circumstances and may include modifications to one or more loan provision. Such restructured loans are included in impaired loans. At December&nbsp;31, 2011 and 2010, the Company had $10,706,000 and $8,469,000 in restructured loans,
respectively. There were no restructured loans at December&nbsp;31, 2009. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Nonperforming Assets </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nonaccrual loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,377</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,099</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other real estate owned and repossessed assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,776</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">734</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total nonperforming assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,872</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans past due 90 days and accruing interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance for loan losses to nonperforming assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1484</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-performing assets to period end loans and other real estate owned</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other potential problem loans are defined as performing loans that possess certain risks that management
has identified that could result in the loans not being repaid in accordance with their terms.&nbsp;Accordingly, these loans are risk rated at a level of substandard or lower. At December&nbsp;31, 2011, other potential problem loans totaled
$27,876,000.&nbsp;$14,751,000 or 52.9% of the total other potential problem loans are currently considered impaired and are disclosed in Note 4 to the Consolidated Financial Statements. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>Allowance for Loan Losses </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The purpose and the methods for measuring the
allowance for loans are discussed in the Critical Accounting Policies section above. The table titled &#147;Analysis of Allowance for Loan Losses&#148; shows the activity within the allowance during the last five years, including a breakdown of the
loan types which were charged-off and recovered. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Charged-off loans were $2,966,000, $5,475,000, and $3,153,000 for 2011,
2010, and 2009, respectively. Recoveries were $848,000, $291,000, and $252,000 for 2011, 2010, and 2009, respectively. Net charge-offs were $2,118,000, $5,184,000, and $2,901,000 for 2011, 2010, and 2009, respectively. This represents a decrease in
net charge-offs of $3,066,000 or 59.1% for 2011 and an increase of $2,283,000 or 78.7% for 2010. The allowance for loan losses as a percentage of loans was 2.13%, 1.74%, and 1.48% at the end of 2011, 2010, and 2009, respectively. The allowance for
loan losses at year-end covered net charge-offs during the year by 4.13 times for 2011, 1.37 times for 2010, and 2.06 times for 2009. The ratio of net charge-offs to average loans was 0.52% for 2011, 1.27% for 2010, and 0.74% for 2009. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The provision for loan losses for the year ended December&nbsp;31, 2011 was $3,750,000, a decrease of $2,575,000 or 40.7% from
December&nbsp;31, 2010. The lower provision for loan losses compared to last year reflects improvements in asset quality and a lower level of charge-offs in 2011, tempered by higher reserves on remaining impaired loans. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table titled &#147;Allocation of Allowance for Loan Losses&#148; shows the amount of the allowance for loan losses which is allocated
to the indicated loan categories, along with that category&#146;s percentage of total loans, at December&nbsp;31, 2011, 2010, 2009, 2008, and 2007. The amount of allowance for loan losses allocated to each loan category is based on the amount
delinquent loans in that loan category, the status of nonperforming assets in that loan category, the historical losses for that loan category, and the financial condition of certain borrowers whose financial conditional is monitored on a periodic
basis. Management believes that the allowance for loan losses is adequate based on the loan portfolio&#146;s current risk characteristics. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">28 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Analysis of Allowance for Loan Losses </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2008</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2007</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, beginning of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans Charged-Off:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial, financial and agricultural</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,077</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">466</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">261</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Real estate-construction and land development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">710</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,917</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,090</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Real estate-mortgage</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,204</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">306</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">437</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total loans charged off</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,966</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,077</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Recoveries:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial, financial and agricultural</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">137</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Real estate-construction and land development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Real estate-mortgage</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total recoveries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">848</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">291</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net charge-offs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,184</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,901</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">980</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">667</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, end of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ratio of allowance for loan losses to loans outstanding at period end</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ratio of net charge offs to average loans outstanding during the period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Allocation of Allowance for Loan Losses </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Commercial, Financial,</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>and
Agricultural</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Real&nbsp;
Estate</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Construction</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Real&nbsp;
Estate</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Mortgage</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Consumer and</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Other
Loans</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Allowance<BR>for</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Loan<BR>Losses</B>
</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Percent&nbsp;of<BR>Loans in<BR>Category<BR>to Total<BR>Loans</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Allowance</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>for</B></FONT><br><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Loan<BR>Losses</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Percent&nbsp;of<BR>Loans in<BR>Category<BR>to Total<BR>Loans</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Allowance<BR>for</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Loan<BR>Losses</B>
</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Percent&nbsp;of<BR>Loans in<BR>Category<BR>to Total<BR>Loans</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Allowance<BR>for</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Loan<BR>Losses</B>
</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Percent&nbsp;of<BR>Loans in<BR>Category<BR>to Total<BR>Loans</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">December&nbsp;31, 2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,077</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,618</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,601</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">December&nbsp;31, 2010</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">819</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">80.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">218</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">December&nbsp;31, 2009</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,464</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">80.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">354</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">December&nbsp;31, 2008</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">567</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">December&nbsp;31, 2007</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">795</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,830</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">77.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Deposits </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Total deposits were $448,465,000 and $429,296,000 at December&nbsp;31, 2011 and 2010, respectively, which represents an increase of $19,169,000 or 4.5% during 2011. The table titled &#147;Average Deposits
and Rates Paid&#148; shows the average deposit balances and average rates paid for 2011, 2010 and 2009. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">29 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Average Deposits and Rates Paid </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Rate</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest-bearing</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104,041</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">93,583</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">84,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest-bearing:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">NOW accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,410</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69,154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Money market accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73,879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">66,819</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Regular savings accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">47,852</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40,570</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Time deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">$100,000 and more</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59,944</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less than $100,000</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">89,987</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87,940</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94,523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest-bearing</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">340,343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">324,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">302,477</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">444,384</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">418,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">387,353</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest-bearing demand deposits, which are comprised of checking accounts, increased $8,981,000 or
9.1% from $98,256,000 at December&nbsp;31, 2010 to $107,237,000 at December&nbsp;31, 2011. Interest-bearing deposits, which include NOW accounts, money market accounts, regular savings accounts and time deposits, increased $10,188,000 or 3.1% from
$331,040,000 at December&nbsp;31, 2010 to $341,228,000 at December&nbsp;31, 2011. Total NOW account balances increased $6,514,000 or 9.0% from $72,413,000 at December&nbsp;31, 2010 to $78,927,000 at December&nbsp;31, 2011. Total money market account
balances increased $13,627,000 or 19.5% from $69,766,000 at December&nbsp;31, 2010 to $83,393,000 at December&nbsp;31, 2011. Total regular savings account balances increased $5,469,000 or 12.9% from $42,369,000 at December&nbsp;31, 2010 to
$47,838,000 at December&nbsp;31, 2011. Time deposits decreased $15,422,000 or 10.5% from $146,492,000 at December&nbsp;31, 2010 to $131,070,000 at December&nbsp;31, 2011. This is comprised of a decrease in certificates of deposit of $100,000 and
more of $1,906,000 or 3.9% from $49,497,000 at December&nbsp;31, 2010 to $47,591,000 at December&nbsp;31, 2011 and an increase in certificates of deposit of less than $100,000 of $1,752,000 or 2.7% from $65,097,000 at December&nbsp;31, 2010 to
$66,849,000 at December&nbsp;31, 2011. Brokered certificates of deposits less than $100,000 decreased $10,065,000 or 49.9% from $20,172,000 at December&nbsp;31, 2010 to $10,107,000 at December&nbsp;31, 2011. This included $9,905,000 of traditional
brokered certificates of deposit and $202,000 of certificates obtained through the CDARS network. Brokered certificates of deposits, greater than $100,000, decreased $5,203,000 or 44.4% from $11,726,000 at December&nbsp;31, 2010 to $6,523,000 at
December&nbsp;31, 2011. These certificates were obtained through the CDARS network. The Bank joined the CDARS network in 2008, which allows it to offer over $50 million in FDIC insurance on a certificate of deposit. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company attempts to fund asset growth with deposit accounts and focus upon core deposit growth as its primary source of funding. Core
deposits consist of checking accounts, NOW accounts, money market accounts, regular savings accounts, and time deposits of less than $100,000, excluding brokered certificates of deposit. Core deposits totaled $431,835,000 or 96.3% and $397,398,000
or 92.6% of total deposits at December&nbsp;31, 2011 and 2010, respectively. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table titled &#147;Maturities of
Certificates of Deposit and Other Time Deposits of $100,000 and Greater&#148; shows the amount of certificates of deposit of $100,000 and more maturing within the time period indicated at December&nbsp;31, 2011. The Company&#146;s policy is to issue
these certificates for terms of twelve months or less, however, exceptions have been made as indicated by the $8,663,000 which matures over one year. The total amount maturing within one year is $45,451,000 or 84.0% of the total amount outstanding.
</FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Maturities of Certificates of Deposit and Other Time Deposits of $100,000 and Greater </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Within<BR>Three<BR>Months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Three to<BR>Six<BR>Months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Six to<BR>Twelve<BR>Months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Over<BR>One<BR>Year</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Percent<BR>of Total<BR>Deposits</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">At December&nbsp;31, 2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,663</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54,114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">30 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">CAPITAL RESOURCES </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company continues to be a well capitalized financial institution. Total shareholders&#146; equity on December&nbsp;31, 2011 was $58,090,000, reflecting a percentage of total assets of 10.23% as
compared to $53,829,000 and 9.63% at December&nbsp;31 2010. The common stock&#146;s book value per share increased $1.17 or 7.1% to $17.67 per share at December&nbsp;31, 2011 from $16.50 per share at December&nbsp;31, 2010. During 2011, the Company
paid $0.72 per share in dividends as compared to $0.69 per share for 2010 and $0.68 per share for 2009. The Company has a Dividend Investment Plan that reinvests the dividends of the shareholder in Company stock. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Analysis of Capital </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in
thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,<BR>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,<BR>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier 1 Capital:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Capital surplus</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,568</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">35,419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Trust preferred capital notes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net unrealized loss on available for sale equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Tier 1 capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier 2 Capital:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,996</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,072</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Tier 2 capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,996</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,072</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total risk-based capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67,155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">64,691</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Risk weighted assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">395,878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">403,738</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Risk Based Capital Ratios:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier 1 risk-based capital ratio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total risk-based capital ratio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier 1 leverage ratio</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal regulatory risk-based capital guidelines require percentages to be applied to various assets,
including off-balance sheet assets, based on their perceived risk in order to calculate risk-weighted assets. Tier 1 capital consists of total shareholders&#146; equity plus qualifying trust preferred securities outstanding less net unrealized gains
and losses on available for sale securities, goodwill and other intangible assets. Total capital is comprised of Tier 1 capital plus the allowable portion of the allowance for loan losses and any excess trust preferred securities that do not qualify
as Tier 1 capital. The $7,000,000 in trust preferred securities, issued by the Company during 2007, qualifies as Tier 1 capital because this amount does not exceed 25% of total capital, including the trust preferred securities. Financial
institutions must maintain a Tier 1 risk-based capital ratio of at least 4%, a total risk-based capital ratio of at least 8% and a minimum Tier 1 leverage ratio of 4%. The Company&#146;s policy requires a Tier 1 risk-based capital ratio of at least
8%, a total risk-based capital ratio of at least 10% and a minimum Tier 1 leverage ratio of 5%. The Company monitors these ratios on a quarterly basis and has several strategies, including without limitation the issuance of common stock or trust
preferred securities, to ensure that these ratios remain above regulatory minimums. The table titled &#147;Analysis of Capital&#148; shows the components of Tier 1 capital, Tier 2 capital, the amount of total risk-based capital and risk-weighted
assets, and the risk based capital ratios for the Company at December&nbsp;31, 2011 and 2010. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Note 16 to the Consolidated
Financial Statements provides additional discussion and analysis of regulatory capital requirements. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">LIQUIDITY </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Liquidity management involves meeting the present and future financial obligations of the Company with the sale or maturity of assets or
with the occurrence of additional liabilities. Liquidity needs are met with cash on hand, deposits in banks, federal funds sold, securities classified as available for sale and loans maturing within one year. At December&nbsp;31, 2011 liquid assets
totaled $246,634,000 as compared to $227,394,000 at December&nbsp;31, 2010. These amounts represent 48.4% and 45.0% of total liabilities at December&nbsp;31, 2011 and 2010, respectively. Securities provide a constant source of liquidity through
paydowns and maturities. Also, the Company maintains short-term borrowing arrangements, namely federal funds lines of credit, with larger financial institutions as an additional source of liquidity. The Bank&#146;s membership with the Federal Home
Loan Bank of Atlanta also provides a source of borrowings with numerous rate and term structures. The Company&#146;s senior management monitors the liquidity position regularly and attempts to maintain a position which utilizes available funds most
efficiently. As a result of the Company&#146;s management of liquid assets and the ability to generate liquidity through liability funding, management believes that the Company maintains overall liquidity sufficient to satisfy its depositors&#146;
requirements and meet its customers&#146; credit needs. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">31 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">OFF-BALANCE SHEET ARRANGEMENTS AND CONTRACTUAL OBLIGATIONS </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Note 19 to the Consolidated Financial Statements provides information about the off-balance sheet arrangements which arise through the
lending activities of the Company. These arrangements increase the degree of both credit and interest rate risk beyond that which is recognized through the financial assets and liabilities on the consolidated balance sheets. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table titled &#147;Contractual Obligations and Scheduled Payments&#148; presents the Company&#146;s contractual obligations and
scheduled payment amounts due within the period indicated at December&nbsp;31, 2011. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Contractual Obligations and Scheduled Payments
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December 31, 2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Less&nbsp;than<BR>One&nbsp;Year</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>One&nbsp;Year<BR>through<BR>Three&nbsp;Years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Three&nbsp;Years<BR>through<BR>Five Years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>More&nbsp;than<BR>Five&nbsp;Years</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FHLB advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Trust preferred capital notes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Operating leases</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">804</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,382</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,021</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,607</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The $42,250,000 in outstanding FHLB advances is comprised of five advances. Note 8 to the Consolidated
Financial Statements discusses the rates, terms, and conversion features on these advances. The trust preferred capital notes are discussed in Note 20 to the Consolidated Financial Statements. The payments due on operating leases are discussed in
Note 6 to the Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">32 </FONT></P>



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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_12"></A>Item&nbsp;7A.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Quantitative and Qualitative Disclosures about Market Risk </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">As the holding company of the Bank, the Company&#146;s primary component of market risk is interest rate volatility. Interest rate fluctuations will impact the amount of interest income and expense the
Bank receives or pays on almost all of its assets and liabilities and the market value of its interest-earning assets and interest-bearing liabilities, excluding those which have a very short term until maturity. Interest rate risk exposure of the
Company is, therefore, experienced at the Bank level. Asset / liability management attempts to maximize the net interest income of the Company by adjusting the volume and price of rate sensitive assets and liabilities. The Company does not subject
itself to foreign currency exchange or commodity price risk due to prohibition through policy and the current nature of operations. Note 14 to the Consolidated Financial Statements discusses derivative instruments and hedging activities of the
Company. The Company entered into an interest rate swap agreement related to the outstanding trust preferred capital notes during 2008. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Bank&#146;s interest rate management strategy is designed to maximize net interest income and preserve the capital of the Company. The Bank&#146;s financial instruments are periodically subjected to
various simulations whose results are discussed in the following paragraphs. These models are based on actual data from the Bank&#146;s financial statements and assumptions about the performance of certain financial instruments. Prepayment
assumptions are applied to all mortgage related assets, which includes real estate loans and mortgage-backed securities. Prepayment assumptions are based on a median rate at which principal payments are received on these assets over their
contractual term. The rate of principal payback is assumed to increase when rates fall and decrease when rates rise. Term assumptions are applied to non-maturity deposits, which includes demand deposits, NOW accounts, savings accounts, and money
market accounts. Demand deposits and NOW accounts are generally assumed to have a term greater than one year since the total amount outstanding does not fluctuate with changes in interest rates. Savings accounts and money market accounts are assumed
to be more interest rate sensitive, therefore, a majority of the amount outstanding is assumed to have a term of less than one year. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The simulation analysis evaluates the potential effect of upward and downward changes in market interest rates on future net interest income. The analysis involves change in the interest rates used in
determining net interest income over the next twelve months. The model utilizes the static approach for the down 100 basis point and up 200 basis point rate shifts which assume changes in interest rates without any management response to change the
composition of the balance sheet. The model considered a 24 month period when simulating a 400 basis point rate increase. The simulation analysis results are presented in the table below: </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Year 1 Net Interest Income Simulation </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Change in</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Net Interest
Income</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:114pt"><FONT STYLE="font-family:Times New Roman" SIZE="1">Assumed Market Interest Rate Shift</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Dollars</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Percent&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">-100 BP</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-0.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">+200 BP</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">+400 BP</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank uses simulation analysis to assess earnings at risk and economic value of equity (EVE) analysis
to assess economic value at risk. This analysis method allows management to regularly monitor the direction and magnitude of the Bank&#146;s interest rate risk exposure. The modeling techniques cannot be measured with complete precision. Maturity
and repricing characteristics of assets and liabilities, prepayments on amortizing assets, non-maturity deposit sensitivity and loan and deposit pricing are key assumptions used in acquiring this analysis. There is a realm of uncertainty in using
these assumptions but the analysis does provide the Bank with the ability to estimate interest rate risk position over time. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The table below examines the Economic Value of Equity (EVE). The EVE of the balance sheet is defined as the discounted present value of
expected asset cash flows minus the discounted present value of the expected liability cash flows. The analysis involves changing the interest rates used in determining the expected cash flows and in discounting the cash flows. The model indicates
an exposure to falling and rising interest rates. These results are driven primarily by the relative increase in value of the Bank&#146;s core deposit base as rates rise. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Static EVE Change </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(dollars in thousands) </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Change in EVE</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:114pt"><FONT STYLE="font-family:Times New Roman" SIZE="1">Assumed Market Interest Rate Shift</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Dollars</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Percent&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">-100 BP Shock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-5.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">+100 BP Shock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">+200 BP Shock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,483</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-1.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">+300 BP Shock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3,936</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">-4.99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">33 </FONT></P>



<p Style='page-break-before:always'>
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<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_13"></A>Item&nbsp;8.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Financial Statements and Supplementary Data </B></FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g319465g05t79.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">To the Board of Directors and Shareholders of </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Eagle Financial Services, Inc. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Berryville,
Virginia </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have audited the accompanying consolidated balance sheets of Eagle Financial Services, Inc. and its subsidiaries
as of December&nbsp;31, 2011 and 2010, and the related consolidated statements of income, changes in shareholders&#146; equity, and cash flows for each of the years in the three-year period ended December&nbsp;31, 2011. The management of Eagle
Financial Services, Inc. and its subsidiaries (the Company) is responsible for these consolidated financial statements. Our responsibility is to express an opinion on these consolidated financial statements based on our audits. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those
standards require that we plan and perform the audit to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement. The Company is not required to have, nor were we engaged to perform, an audit
of its internal control over financial reporting. Our audits included consideration of internal control over financial reporting as a basis for designing audit procedures that are appropriate in the circumstances, but not for the purpose of
expressing an opinion on the effectiveness of the Company&#146;s internal control over financial reporting. Accordingly, we express no such opinion. An audit also includes examining, on a test basis, evidence supporting the amounts and disclosures
in the financial statements, assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our
opinion. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In our opinion, the consolidated financial statements referred to above present fairly, in all material respects,
the financial position of Eagle Financial Services, Inc. and its subsidiaries as of December&nbsp;31, 2011 and 2010, and the results of their operations and their cash flows for each of the years in the three-year period ended December&nbsp;31, 2011
in conformity with accounting principles generally accepted in the United State of America. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ SMITH ELLIOTT KEARNS&nbsp;&amp; COMPANY, LLC</FONT></P></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">SMITH ELLIOTT KEARNS&nbsp;&amp; COMPANY, LLC</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chambersburg, Pennsylvania </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">March&nbsp;23, 2012 </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">34 </FONT></P>



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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EAGLE FINANCIAL SERVICES, INC. AND SUBSIDIARIES </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Consolidated Balance Sheets </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>December&nbsp;31, 2011 and 2010 </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(dollars in thousands, except share
amounts) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and due from banks</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,610</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,884</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest-bearing deposits with other institutions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,331</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,086</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,941</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities available for sale, at fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Restricted investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,982</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans, net of allowance for loan losses of $8,743 in 2011 and $7,111 in 2010</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">401,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">401,338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank premises and equipment, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other real estate owned</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,378</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,261</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">568,022</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">558,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities and Shareholders&#146; Equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest bearing demand deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">107,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">98,256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Savings and interest bearing demand deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">210,158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">184,548</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Time deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">146,492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">448,465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">429,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal funds purchased and securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal Home Loan Bank advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Trust preferred capital notes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,853</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">509,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">505,011</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Shareholders&#146; Equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred stock, $10 par value; 500,000 shares authorized and unissued</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Common stock, $2.50 par value; authorized 10,000,000 shares; issued 2011, 3,286,992; issued 2010, 3,249,477</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Surplus</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,568</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">35,419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accumulated other comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,931</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58,090</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">53,829</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities and shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">568,022</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">558,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">35 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EAGLE FINANCIAL SERVICES, INC. AND SUBSIDIARIES </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Consolidated Statements of Income </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Years Ended December&nbsp;31, 2011, 2010, and 2009 </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(dollars in
thousands, except per share amounts) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Interest and Dividend Income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest and fees on loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,029</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,529</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on federal funds sold</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest and dividends on securities available for sale:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Taxable interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,695</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,784</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income exempt from federal income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,397</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,302</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">413</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">446</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">461</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on deposits in banks</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest and dividend income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,571</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Interest Expense</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on federal funds purchased and securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">392</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on Federal Home Loan Bank advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,685</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,042</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on trust preferred capital notes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">137</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">184</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest on interest rate swap</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,530</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,259</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Provision For Loan Losses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income after provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,016</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Noninterest Income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income from fiduciary activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">907</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">917</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">818</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Service charges on deposit accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,586</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,784</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other service charges and fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gain (loss) on the sale of bank premises and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loss on the sale of other real estate owned</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gain (loss) on securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other operating income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total noninterest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,499</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,626</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Noninterest Expenses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Salaries and employee benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,609</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,263</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,262</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Occupancy expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equipment expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">676</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">625</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Advertising and marketing expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">435</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">409</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stationery and supplies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">292</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">311</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">ATM network fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other real estate owned expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">FDIC assessment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">852</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Computer software expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">507</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outside service fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">742</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank franchise tax</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">376</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other operating expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,634</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,626</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,558</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total noninterest expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,809</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,480</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,693</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,624</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Income Tax Expense</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net Income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Earnings Per Share</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income per common share, basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income per common share, diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Notes to Consolidated Financial Statements </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">36 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EAGLE FINANCIAL SERVICES, INC. AND SUBSIDIARIES </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Consolidated Statements of Changes in Shareholders&#146; Equity </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Years Ended December 31, 2011, 2010, and 2009 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(dollars in thousands, except per share amounts) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Common<BR>Stock</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Surplus</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Retained</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Earnings</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Accumulated<BR>Other<BR>Comprehensive</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Income
 (Loss)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Comprehensive</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Income</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Balance, December 31, 2008</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,888</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,634</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">46,829</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Comprehensive income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other comprehensive income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Changes in benefit obligations and plan assets for defined benefit and post retirement benefit plans, net of deferred income
taxes of $253</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change in market value of interest rate swap, net of deferred income taxes of $160</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">312</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">312</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">312</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrealized gain on available for sale securities, net of deferred income taxes of $991</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,167</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of restricted stock, stock incentive plan (3,509 shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax expense on vesting of restricted stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stock-based compensation expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of common stock, dividend investment plan (36,559 shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">583</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of common stock, employee benefit plan (4,530 shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends declared ($0.68 per share)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Balance, December 31, 2009</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,999</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,048</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51,643</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Comprehensive income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other comprehensive income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Changes in benefit obligations and plan assets for defined benefit and post retirement benefit plans, net of deferred income
taxes of $141</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change in market value of interest rate swap, net of deferred income taxes of ($140)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrealized gain on available for sale securities, net of deferred income taxes of $60</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of restricted stock, stock incentive plan (11,936 shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax expense on vesting of restricted stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stock-based compensation expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of common stock, dividend investment plan (37,905 shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">495</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends declared ($0.69 per share)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Balance, December 31, 2010</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">35,419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">53,829</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Comprehensive income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other comprehensive income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Changes in benefit obligations and plan assets for defined benefit and post retirement benefit plans, net of deferred income
taxes of $146</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change in market value of interest rate swap, net of deferred income taxes of ($140)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrealized gain on available for sale securities, net of deferred income taxes of $885</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of restricted stock, stock incentive plan (9,291 shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance tax benefit on vesting of restricted stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT><BR></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3</FONT><BR></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT><BR></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stock-based compensation expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of common stock, dividend investment plan (38,703 shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">604</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of common stock, employee benefit plan (5,184 shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retirement of common stock (15,663 shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(232</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends declared ($0.72 per share)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,367</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,367</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Balance, December 31, 2011</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,568</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,931</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58,090</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Notes to Consolidated Financial Statements </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">37 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EAGLE FINANCIAL SERVICES, INC. AND SUBSIDIARIES </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Consolidated Statements of Cash Flows </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Years Ended December 31, 2011, 2010, and 2009 </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows from Operating Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjustments to reconcile net income to net cash provided by operating activities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Depreciation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">843</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">778</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortization of intangible and other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">136</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Gain) loss on securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Gain) loss on the sale of bank premises and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loss on the sale of other real estate owned</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stock-based compensation expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Premium amortization (discount accretion) on securities, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(652</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Changes in assets and liabilities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Decrease (increase) in other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,568</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,676</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Decrease) increase in other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash provided by operating activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,739</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,676</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows from Investing Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from maturities and principal payments of securities available for sale and restricted investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40,166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,592</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,530</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from sales of securities available for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,853</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,959</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Purchases of securities available for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(46,798</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(50,180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(29,302</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from the sale of restricted investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">461</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Purchases of restricted investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from the sale of equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">661</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Purchases of bank premises and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(964</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,843</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from the sale of other real estate owned</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,167</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net (increase) in loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(8,139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,802</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(20,426</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash (used in) investing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6,597</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(22,885</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(19,125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows from Financing Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net increase in demand deposit, money market and savings accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,592</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,098</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net (decrease) increase in certificates of deposit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(15,422</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,445</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(13,517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net (decrease) increase in federal funds purchased and securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">380</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(677</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net (decrease) in Federal Home Loan Bank advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of common stock, employee benefit plan</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retirement of common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash dividends paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,764</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,587</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash provided by financing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,829</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,643</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Notes to Consolidated Financial Statements </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">38 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EAGLE FINANCIAL SERVICES, INC. AND SUBSIDIARIES </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Consolidated Statements of Cash Flows (continued) </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Years Ended December&nbsp;31, 2011, 2010, and 2009 </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="79%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Increase (decrease) in cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,971</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,437</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(10,806</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash and Cash Equivalents</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Beginning</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,339</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,941</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Supplemental Disclosures of Cash Flow Information</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash payments for:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,885</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,618</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,896</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Supplemental Schedule of Noncash Investing and Financing Activities:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrealized gain on securities available for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,602</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Change in fair value of interest rate swap</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(411</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(413</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">472</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other real estate acquired in settlement of loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,235</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of common stock, dividend investment plan</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">604</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">583</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Notes to Consolidated Financial Statements </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">39 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 1. Nature of Banking Activities and Significant Accounting Policies </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Eagle Financial Services, Inc. and Subsidiaries (the &#147;Company&#148; or &#147;Corporation&#148;) grant commercial, financial, agricultural,
residential and consumer loans to customers in Virginia and the Eastern Panhandle of West Virginia. The loan portfolio is well diversified and generally is collateralized by assets of the customers. The loans are expected to be repaid from cash
flows or proceeds from the sale of selected assets of the borrowers. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The accounting and reporting policies of the Company conform to
accounting principles generally accepted in the United States of America and to accepted practices within the banking industry. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Principles
of Consolidation </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company owns 100% of Bank of Clarke County (the &#147;Bank&#148;) and Eagle Financial Statutory Trust II. The
consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All significant intercompany accounts and transactions between the Company and the Bank have been eliminated. Eagle Financial Statutory Trust II
is accounted for under the provisions of GAAP. The subordinated debt of Eagle Financial Statutory Trust II is reflected as a liability of the Company. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Trust Assets </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities and other property held by the Eagle Investment Group in a
fiduciary or agency capacity are not assets of the Company and are not included in the accompanying consolidated financial statements. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash and Cash Equivalents </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">For purposes
of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold, and interest bearing deposits. Generally, federal funds are purchased and sold for one-day periods. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Securities </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Debt securities that
management has the positive intent and ability to hold to maturity are classified as &#147;held to maturity&#148; and recorded at amortized cost. Securities not classified as held to maturity, including equity securities with readily determinable
fair values, are classified as &#147;available for sale&#148; and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Declines in the fair value of held to maturity and available for sale
securities below their cost that are deemed to be &#147;other than temporary&#148; are reflected in earnings as realized losses. In estimating &#147;other than temporary&#148; impairment losses, management considers (1)&nbsp;the length of time and
the extent to which the fair value has been less than cost, (2)&nbsp;the financial condition and near-term prospects of the issuer, and (3)&nbsp;the intent and ability of the Company to retain its investment in the issuer for a period of time
sufficient to allow for any anticipated recovery of fair value. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank is required to maintain an investment in the capital stock of certain correspondent banks. No readily available market exists for this stock and
it has no quoted market value. The investment in these securities is recorded at cost and they are reported on the Company&#146;s consolidated balance sheet as restricted investments. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Loans </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company grants mortgage, commercial and consumer loans to customers. A
substantial portion of the loan portfolio is represented by mortgage loans throughout the Counties of Clarke and Frederick, Virginia and the City of Winchester, Virginia. The ability of the Company&#146;s debtors to honor their contracts is
dependent upon the real estate and general economic conditions in this area. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans that management has the intent and ability to hold for the
foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination and
commitment fees and direct loan costs are being recognized as collected and incurred. The use of this method of recognition does not produce results that are materially different from results which would have been produced if such costs and fees
were deferred and amortized as an adjustment of the loan yield over the life of the related loan. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The accrual of interest on mortgage and
commercial loans is discontinued at the time the loan is 90 days delinquent unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. Past
due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal and interest is considered doubtful. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these
loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are
reasonably assured. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">40 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Risks by Loan Portfolio Segments </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>One-to-Four-Family Residential Real Estate Lending </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential mortgage loans generally
are made on the basis of the borrower&#146;s ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered
concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank&#146;s Directors Loan Committee. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Commercial Real Estate Lending </I></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically
involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real
estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Construction and Land Development Lending </I></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more
concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the
estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank
generally limits loan amounts to 80% of the estimated appraised value of the finished home. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Commercial and Industrial Lending
</I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial business loans generally have more risk than residential mortgage loans, but have higher yields. To manage these risks, the
Bank generally obtains appropriate collateral and personal guarantees from the borrower&#146;s principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower&#146;s
ability to make repayment from cash flow from its business and are secured by business assets, such as commercial real estate, accounts receivable, equipment and inventory. As a result, the availability of funds for the repayment of commercial
business loans is substantially dependent on the success of the business itself. Furthermore, the collateral for commercial business loans may depreciate over time and generally cannot be appraised with as much precision as residential real estate.
</FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Consumer Lending </I></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer
loans generally entail greater risk than residential mortgage loans, particularly in the case of consumer loans which are unsecured or secured by rapidly depreciable assets such as automobiles. In such cases, any repossessed collateral on a
defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Allowance for Loan Losses </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The allowance for loan losses is established as losses are
estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are
credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management&#146;s periodic review of the collectibility of the loans in light of historical experience, the nature and volume of
the loan portfolio, adverse situations that may affect the borrower&#146;s ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are
susceptible to significant revision as more information becomes available. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The allowance consists of specific, general and unallocated
components. The specific component relates to loans that are classified using an internal loan grading system. For loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or
observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical loss experience and other qualitative factors. An unallocated component is
maintained to cover uncertainties that could affect management&#146;s estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for
estimating specific and general losses in the portfolio. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">A loan is considered impaired when, based on current information and events, it is
probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status,
collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the
significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the
borrower&#146;s prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future
cash flows discounted at the loan&#146;s effective interest rate, the loan&#146;s obtainable market price, or the fair market value less estimated liquidation costs of the collateral if the loan is collateral dependent. Large groups of smaller
balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment disclosures, unless such loans are the subject of a restructuring
agreement. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">41 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Bank Premises and Equipment </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Land is carried at cost. Buildings and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives of the assets. Estimated useful
lives range from 10 to 39 years for buildings and 3 to 10 years for furniture and equipment. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Other Real Estate Owned </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the lesser of the fair value of the property,
less selling costs or the loan balance outstanding at the date of foreclosure. Any write-downs based on the asset&#146;s fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are
periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount
of a property exceeds its fair value. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized.
Valuations are periodically performed by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. Revenue
and expenses from operations and changes in the valuation allowance are included in net expenses from foreclosed assets. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Core Deposit
Intangible Assets </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Acquired intangible assets, such as the value of purchased core deposits, are amortized over the periods benefited, not
exceeding fifteen years. The book value of the Company&#146;s core deposit intangible asset, resulting from a branch acquisition, was fully amortized at December&nbsp;31, 2010. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Retirement Plans </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company had a non-contributory defined benefit pension plan that
covers eligible employees. Effective December&nbsp;31, 2006, the pension plan was amended so that no further benefits would accrue under the plan and no additional employees could become participants. The plan was terminated during 2011 after
receiving final approval. Refer to Note 10 for a description of the termination of the Company&#146;s pension plan. The Company also sponsors a 401(k) savings plan under which eligible employees may defer a portion of their compensation on a pretax
basis. The Company also provides a match to participants in this plan, as described more fully in Note 12. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Stock-Based Compensation Plan
</B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">During 2003, the Company&#146;s shareholders approved a stock incentive plan which allows key employees and directors to increase their
personal financial interest in the Company. This plan permits the issuance of incentive stock options and non-qualified stock options and the award of stock appreciation rights, common stock, restricted stock, and phantom stock. The plan, as
adopted, authorized the issuance of up to 300,000 shares of common stock. This plan is discussed more fully in Note 11. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Income Taxes
</B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net
deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various assets and liabilities and gives current recognition to changes in tax rates and laws. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">When tax returns are filed, it is likely that some positions taken would be sustained upon examination by the applicable taxing authority, while others
are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all
available evidence, the Company believes it is &#147;more likely than not&#148; that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or
aggregated with other positions. Tax positions that meet the &#147;more likely than not&#148; recognition threshold are measured as the largest amount of tax benefit that is more than fifty percent (50%)&nbsp;likely of being realized upon settlement
with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the balance sheet along with any
associated interest and penalties that would be payable to the applicable taxing authority upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statement of income. The
Company has no uncertain tax positions. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Advertising </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company follows the policy of charging the costs of advertising to expense as incurred. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Reclassifications </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certain
reclassifications have been made to the 2010 financial statements to conform to reporting for 2011. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">42 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Earnings Per Common Share </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Basic earnings per share represents income available to common shareholders divided by the weighted average number of common shares outstanding during the period. Diluted earnings per share reflects
additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. The number of potential common shares is determined using
the treasury method and relates to outstanding stock options and nonvested restricted stock grants. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table shows the weighted
average number of shares used in computing earnings per share and the effect on the weighted average number of shares of dilutive potential common stock. Potential dilutive common stock had no effect on income available to common shareholders.
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average number of common shares outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,292,290</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,243,292</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,177,244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Effect of dilutive common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,708</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,576</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,290</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average number of common shares outstanding used to calculate diluted earnings per share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,299,998</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,250,868</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,184,534</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Comprehensive Income </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities,
net of income taxes, are reported within the balance sheet as a separate component of shareholders&#146; equity. These changes, along with net income, are components of comprehensive income and are reported in the statement of shareholders&#146;
equity. In addition to net income, the Company&#146;s other comprehensive income includes changes in the benefit obligations and plan assets for defined benefit and postretirement benefit plans, unrealized gains or losses on interest rate swaps, and
unrealized gains or losses on available for sale securities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The components of the change in unrealized gains (losses) on securities during
2011, 2010 and 2009 were as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gross unrealized gain</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,669</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">274</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,495</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Reclassification adjustment for realized (gain) loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net unrealized gain (loss) before taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,602</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax effect</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(885</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(991</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The components of accumulated other comprehensive income, net of deferred taxes, during 2011, 2010, and 2009 were as
follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Unrealized<BR>Gain<BR>(Loss) on<BR>Securities</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Change&nbsp;
in<BR>Market<BR>Value</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>of&nbsp;Interest<BR>Rate&nbsp;Swap</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Defined<BR>Benefit<BR>Pension<BR>Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Post<BR>Retirement<BR>Benefit<BR>Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, December&nbsp;31, 2009</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,429</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(559</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,902</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2010 Change</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">272</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, December&nbsp;31, 2010</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,545</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2011 Change</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, December&nbsp;31, 2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,262</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(382</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,931</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Derivative Financial Instruments </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company follows GAAP to account for derivative and hedging activities. Accordingly, a derivative is recognized in the balance sheet at its fair value. The fair value of a derivative is determined by
quoted market prices and mathematical models using current and historical data. If certain hedging criteria are met, including testing for hedge effectiveness, special hedge accounting may be applied. The Company assesses each hedge, both at
inception and on an ongoing basis, to determine whether the derivative used in a hedging transaction is effective in offsetting changes in the fair value or cash flows of the hedged item and whether the derivative is expected to remain effective
during subsequent periods. The Company discontinues hedge accounting when (a)&nbsp;it determines that a derivative is no longer effective in offsetting changes in fair value or cash flows of a hedged item; (b)&nbsp;the derivative expires or is sold,
terminated or exercised; (c)&nbsp;probability exists that the forecasted transaction will no longer occur or (d)&nbsp;management determines that designating the derivative as a hedging instrument is no longer appropriate. When hedge accounting is
discontinued and a derivative remains outstanding, the Company recognizes the derivative in the balance sheet at its fair value and changes in the fair value are recognized in net income. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">At inception, the Company designates a derivative as (a)&nbsp;a fair value hedge of recognized assets or liabilities or of unrecognized firm commitments (fair-value hedge) or (b)&nbsp;a hedge of
forecasted transactions or variable cash flows to be received or paid in conjunction with recognized assets or liabilities (cash-flow hedge). For a derivative treated as a fair-value hedge, a change in fair value is recorded as an adjustment to the
hedged item and recognized in net income. For a derivative treated as a cash flow hedge, the effective portion of a change in fair value is recorded as an adjustment to the hedged item and recognized as a component of accumulated other comprehensive
income (loss) within shareholders&#146; equity. For a derivative treated as a cash flow hedge, the ineffective portion of a change in fair value is recorded as an adjustment to the hedged item and recognized in net income. For more information on
derivative financial instruments see Note 14 to the Consolidated Financial Statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">43 </FONT></P>



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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Use of Estimates </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the
reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from
those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and the valuation of deferred tax assets. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Stock Repurchase Program </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">On
September&nbsp;19, 2011, the Corporation announced a Stock Repurchase Program to repurchase up to 150,000 shares of its common stock prior to June&nbsp;30, 2012. During 2011, the Company purchased 15,663 shares of its Common Stock under its stock
repurchase program at an average price of $17.28. The maximum number of shares that may yet be purchased under the plan as of December&nbsp;31, 2011 are 134,337. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Recent Accounting Pronouncements </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In January 2010, the Financial Accounting Standards Board
(FASB) issued Accounting Standards Update (ASU) 2010-06, &#147;Fair Value Measurements and Disclosures (Topic 820): Improving Disclosures about Fair Value Measurements.&#148; ASU 2010-06 amends Subtopic 820-10 to clarify existing disclosures,
require new disclosures, and includes conforming amendments to guidance on employers&#146; disclosures about postretirement benefit plan assets. ASU 2010-06 is effective for interim and annual periods beginning after December&nbsp;15, 2009, except
for disclosures about purchases, sales, issuances, and settlements in the roll forward of activity in Level 3 fair value measurements. Those disclosures are effective for fiscal years beginning after December&nbsp;15, 2010 and for interim periods
within those fiscal years. The adoption of the new guidance did not have a material impact on the Company&#146;s consolidated financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In July 2010, the FASB issued ASU 2010-20, &#147;Receivables (Topic 310) &#150; Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses.&#148;&nbsp;The new
disclosure guidance significantly expands the existing requirements and will lead to greater transparency into a company&#146;s exposure to credit losses from lending arrangements.&nbsp;The extensive new disclosures of information as of the end of a
reporting period became effective for both interim and annual reporting periods ending on or after December&nbsp;15, 2010.&nbsp;Specific disclosures regarding activity that occurred before the issuance of the ASU, such as the allowance roll forward
and modification disclosures, will be required for periods beginning on or after December&nbsp;15, 2010.&nbsp;The Company has included the required disclosures in its consolidated financial statements. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In December 2010, the FASB issued ASU 2010-28, &#147;Intangible &#150; Goodwill and Other (Topic 350) &#150; When to Perform Step 2 of the Goodwill
Impairment Test for Reporting Units with Zero or Negative Carrying Amounts.&#148; The amendments in this ASU modify Step 1 of the goodwill impairment test for reporting units with zero or negative carrying amounts. For those reporting units, an
entity is required to perform Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after
December&nbsp;15, 2010. Early adoption is not permitted. The adoption of the new guidance did not have a material impact on the Company&#146;s consolidated financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In December 2010, the FASB issued ASU 2010-29, &#147;Business Combinations (Topic 805) &#150; Disclosure of Supplementary Pro Forma Information for Business Combinations.&#148; The guidance requires pro
forma disclosure for business combinations that occurred in the current reporting period as though the acquisition date for all business combinations that occurred during the year had been as of the beginning of the annual reporting period. If
comparative financial statements are presented, the pro forma information should be reported as though the acquisition date for all business combinations that occurred during the current year had been as of the beginning of the comparable prior
annual reporting period. ASU 2010-29 is effective for business combinations for which the acquisition date is on or after the beginning of the first annual reporting period beginning on or after December&nbsp;15, 2010. Early adoption is permitted.
The adoption of the new guidance did not have a material impact on the Company&#146;s consolidated financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Securities
Exchange Commission (SEC) issued Final Rule No.&nbsp;33-9002, &#147;Interactive Data to Improve Financial Reporting.&#148; The rule requires companies to submit financial statements in extensible business reporting language (XBRL) format with their
SEC filings on a phased-in schedule. Large accelerated filers and foreign large accelerated filers using U.S. GAAP were required to provide interactive data reports starting with their first quarterly report for fiscal periods ending on or after
June&nbsp;15, 2010. All remaining filers are required to provide interactive data reports starting with their first quarterly report for fiscal periods ending on or after June&nbsp;15, 2011. The Company complied with this Rule beginning with the
filing of the June&nbsp;30, 2011 Form 10-Q. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In March 2011, the SEC issued Staff Accounting Bulletin (SAB) 114. This SAB revises or rescinds
portions of the interpretive guidance included in the codification of the Staff Accounting Bulletin Series. This update is intended to make the relevant interpretive guidance consistent with current authoritative accounting guidance issued as a part
of the FASB&#146;s Codification. The principal changes involve revision or removal of accounting guidance references and other conforming changes to ensure consistency of referencing through the SAB Series. The effective date for SAB 114 was
March&nbsp;28, 2011. The adoption of the new guidance did not have a material impact on the Company&#146;s consolidated financial statements. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In January 2011, the FASB issued ASU 2011-01, &#147;Receivables (Topic 310) &#150; Deferral of the Effective Date of Disclosures about Troubled Debt
Restructurings.&#148; The amendments in this ASU temporarily delayed the effective date of the disclosures about troubled debt restructurings in Update 2010-20 for public entities. The delay was intended to allow the Board time to complete its
deliberations on what constitutes a troubled debt restructuring. The effective date of the new disclosures about troubled debt restructurings for public entities and the guidance for determining what constitutes a troubled debt restructuring was
effective for interim and annual periods ending after June&nbsp;15, 2011. The adoption of the new guidance did not have a material impact on the Company&#146;s consolidated financial statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">44 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In April 2011, the FASB issued ASU 2011-02, &#147;Receivables (Topic 310) &#150; A Creditor&#146;s
Determination of Whether a Restructuring Is a Troubled Debt Restructuring.&#148; The amendments in this ASU clarify the guidance on a creditor&#146;s evaluation of whether it has granted a concession to a debtor. They also clarify the guidance on a
creditor&#146;s evaluation of whether a debtor is experiencing financial difficulty. The amendments in this ASU are effective for the first interim or annual period beginning on or after June&nbsp;15, 2011. Early adoption is permitted. Retrospective
application to the beginning of the annual period of adoption for modifications occurring on or after the beginning of the annual adoption period is required. As a result of applying these amendments, an entity may identify receivables that are
newly considered to be impaired. For purposes of measuring impairment of those receivables, an entity should apply the amendments prospectively for the first interim or annual period beginning on or after June&nbsp;15, 2011. The Company has adopted
ASU 2011-02 and included the required disclosures in its consolidated financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In April 2011, the FASB issued ASU 2011-03,
&#147;Transfers and Servicing (Topic 860) &#150; Reconsideration of Effective Control for Repurchase Agreements.&#148; The amendments in this ASU remove from the assessment of effective control (1)&nbsp;the criterion requiring the transferor to have
the ability to repurchase or redeem the financial assets on substantially the agreed terms, even in the event of default by the transferee and (2)&nbsp;the collateral maintenance implementation guidance related to that criterion. The amendments in
this ASU are effective for the first interim or annual period beginning on or after December&nbsp;15, 2011. The guidance should be applied prospectively to transactions or modifications of existing transactions that occur on or after the effective
date. Early adoption is not permitted. The adoption of the new guidance is not expected to have a material impact on the Company&#146;s consolidated financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In May 2011, the FASB issued ASU 2011-04, &#147;Fair Value Measurement (Topic 820) &#150; Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs.&#148; This
ASU is the result of joint efforts by the FASB and IASB to develop a single, converged fair value framework on how (not when) to measure fair value and what disclosures to provide about fair value measurements. The ASU is largely consistent with
existing fair value measurement principles in U.S. GAAP (Topic 820), with many of the amendments made to eliminate unnecessary wording differences between U.S. GAAP and IFRSs. The amendments are effective for interim and annual periods beginning
after December&nbsp;15, 2011 with prospective application. Early application is not permitted. The adoption of the new guidance is not expected to have a material impact on the Company&#146;s consolidated financial statements. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In June 2011, the FASB issued ASU 2011-05, &#147;Comprehensive Income (Topic 220) &#150; Presentation of Comprehensive Income.&#148; The objective of
this ASU is to improve the comparability, consistency and transparency of financial reporting and to increase the prominence of items reported in other comprehensive income by eliminating the option to present components of other comprehensive
income as part of the statement of changes in stockholders&#146; equity. The amendments require that all non-owner changes in stockholders&#146; equity be presented either in a single continuous statement of comprehensive income or in two separate
but consecutive statements. The single statement of comprehensive income should include the components of net income, a total for net income, the components of other comprehensive income, a total for other comprehensive income, and a total for
comprehensive income. In the two-statement approach, the first statement should present total net income and its components followed consecutively by a second statement that should present all the components of other comprehensive income, a total
for other comprehensive income, and a total for comprehensive income. The amendments do not change the items that must be reported in other comprehensive income, the option for an entity to present components of other comprehensive income either net
of related tax effects or before related tax effects, or the calculation or reporting of earnings per share. The amendments in this ASU should be applied retrospectively. The amendments are effective for fiscal years and interim periods within those
years beginning after December&nbsp;15, 2011. Early adoption is permitted because compliance with the amendments is already permitted. The amendments do not require transition disclosures. The Company is currently assessing the impact that ASU
2011-05 will have on its consolidated financial statements<I>. </I> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In August 2011, the SEC issued Final Rule No.&nbsp;33-9250,
&#147;Technical Amendments to Commission Rules and Forms related to the FASB&#146;s Accounting Standards Codification.&#148;&nbsp;The SEC has adopted technical amendments to various rules and forms under the Securities Act of 1933, the Securities
Exchange Act of 1934, and the Investment Company Act of 1940.&nbsp;These revisions were necessary to conform those rules and forms to the FASB Accounting Standards Codification.&nbsp;The technical amendments include revision of certain rules in
Regulation S-X, certain items in Regulation S-K, and various rules and forms prescribed under the Securities Act, Exchange Act and Investment Company Act.&nbsp;The Release was effective as of August&nbsp;12, 2011.&nbsp;The adoption of the new
guidance did not have a material impact on the Company&#146;s consolidated financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In September 2011, the FASB issued ASU
2011-08, &#147;Intangible &#150; Goodwill and Other (Topic 350) &#150; Testing Goodwill for Impairment.&#148;&nbsp;The amendments in this ASU permit an entity to first assess qualitative factors related to goodwill to determine whether it is more
likely than not that the fair value of the reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill test described in Topic 350.&nbsp;The more-likely-than-not threshold is
defined as having a likelihood of more than 50 percent.&nbsp;Under the amendments in this ASU, an entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that its fair value
is less than its carrying amount.&nbsp;The amendments in this ASU are effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December&nbsp;15, 2011. Early adoption is permitted, including for annual and
interim goodwill impairment tests performed as of a date before September&nbsp;15, 2011, if an entity&#146;s financial statements for the most recent annual or interim period have not yet been issued.&nbsp;The adoption of the new guidance is not
expected to have a material impact on the Company&#146;s consolidated financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In December 2011, the FASB issued ASU 2011-11,
&#147;Balance Sheet (Topic 210) &#150; Disclosures about Offsetting Assets and Liabilities.&#148; This ASU requires entities to disclose both gross information and net information about both instruments and transactions eligible for offset in the
balance sheet, and instruments and transactions subject to an agreement similar to a master netting arrangement. An entity is required to apply the amendments for annual reporting periods beginning on or after January&nbsp;1, 2013, and interim
periods within those annual periods. An entity should provide the disclosures required by those amendments retrospectively for all comparative periods presented. The Company is currently assessing the impact that ASU 2011-11 will have on its
consolidated financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In December 2011, the FASB issued ASU 2011-12, &#147;Comprehensive Income (Topic 220) &#150; Deferral of
the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No.&nbsp;2011-05.&#148; The amendments are being made to allow the Board time to
redeliberate whether to present on the face of the financial statements the effects of </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">45 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
reclassifications out of accumulated other comprehensive income on the components of net income and other comprehensive income for all periods presented. While the Board is considering the
operational concerns about the presentation requirements for reclassification adjustments and the needs of financial statement users for additional information about reclassification adjustments, entities should continue to report reclassifications
out of accumulated other comprehensive income consistent with the presentation requirements in effect before Update 2011-05. All other requirements in Update 2011-05 are not affected by this Update, including the requirement to report comprehensive
income either in a single continuous financial statement or in two separate but consecutive financial statements. Public entities should apply these requirements for fiscal years, and interim periods within those years, beginning after
December&nbsp;15, 2011. Nonpublic entities should begin applying these requirements for fiscal years ending after December&nbsp;15, 2012, and interim and annual periods thereafter. The Company is currently assessing the impact that ASU 2011-12 will
have on its consolidated financial statements. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 2. Securities </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Amortized costs and fair values of securities available for sale at December&nbsp;31, 2011 and 2010 were as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amortized<BR>Cost</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Gross<BR>Unrealized<BR>Gains</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Gross<BR>Unrealized<BR>(Losses)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31, 2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government corporations and agencies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,655</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43,640</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,421</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">707</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,054</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,079</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="16"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December 31, 2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government corporations and agencies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,716</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,511</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">928</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,464</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">994</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,054</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">107,451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Carrying amounts of restricted securities at December&nbsp;31, 2011 and 2010 were as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,&nbsp;2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,&nbsp;2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal Reserve Bank Stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal Home Loan Bank Stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,498</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Community Bankers&#146; Bank Stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,982</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">46 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The amortized cost and fair value of securities available for sale at December&nbsp;31, 2011, by contractual
maturity, are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without any penalties. </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amortized<BR>Cost</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due in one year or less</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">995</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due after one year through five years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due after five years through ten years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,020</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due after ten years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">38,719</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">40,086</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,054</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">During 2011, the Company sold $4,849,000 in available for sale securities for a net gain of $155,000. In 2010, the
Company sold $2,853,000 in available for sale securities for a net gain of $98,000. During 2011, the Company also recorded an impairment charge of $87,500 on a corporate security. The remaining book value of this security at December&nbsp;31, 2011
is $38,000. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The fair value and gross unrealized losses for securities available for sale, totaled by the length of time that individual
securities have been in a continuous gross unrealized loss position, at December&nbsp;31, 2011 and 2010 were as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Less than 12 months</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>12 months or more</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Total</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair&nbsp;Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Gross<BR>Unrealized<BR>Losses</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair&nbsp;Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Gross<BR>Unrealized<BR>Losses</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair&nbsp;Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Gross<BR>Unrealized<BR>Losses</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31, 2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government corporations and agencies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,003</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,003</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">282</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">294</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">576</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,913</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,913</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">294</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="24"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December 31, 2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government corporations and agencies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,916</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,916</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,464</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">481</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,784</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,047</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,047</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,782</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">708</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gross unrealized losses on available for sale securities included nine (9)&nbsp;and thirty-five (35)&nbsp;securities at
December&nbsp;31, 2011 and December&nbsp;31, 2010, respectively. The Company evaluates securities for other-than-temporary impairment on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The
Company&#146;s mortgage-backed securities are issued by U.S. government agencies, which guarantee payments to investors regardless of the status of the underlying mortgages. Consideration is given to the length of time and the amount of an
unrealized loss, the financial condition of the issuer, and the intent and ability of the Company to retain its investment in the issuer long enough to allow for an anticipated recovery in fair value. The fair value of a security reflects its
liquidity as compared to similar instruments, current market rates on similar instruments, and the creditworthiness of the issuer. Absent any change in the liquidity of a security or the creditworthiness of the issuer, prices will decline as market
rates rise and vice-versa. The primary cause of the unrealized losses on obligations of U.S. government corporations and agencies, mortgage-backed securities, and obligations of states and political subdivisions at December&nbsp;31, 2011 and
December&nbsp;31, 2010 was changes in market interest rates. Since these losses can be attributed to changes in market interest rates and not expected cash flows or an issuer&#146;s financial condition, the unrealized losses are deemed to be
temporary. The Company&#146;s holdings of corporate securities and equity securities represent investments in larger financial institutions. The current economic crisis involving housing, liquidity and credit were the primary causes of the
unrealized losses on these securities at December&nbsp;31, 2011 and 2010. The Company monitors the financial condition of these issuers continuously and will record other-than-temporary impairment if the recovery of value is unlikely. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">47 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s securities are exposed to various risks, such as interest rate, market, currency and
credit risks.&nbsp;Due to the level of risk associated with certain securities and the level of uncertainty related to changes in the value of securities, it is at least reasonably possible that changes in risks in the near term would materially
affect securities reported in the financial statements. In addition, recent economic uncertainty and market events have led to unprecedented volatility in currency, commodity, credit and equity markets culminating in failures of some banking and
financial services firms and Government intervention to solidify others. These recent events underscore the level of investment risk associated with the current economic environment, and accordingly the level of risk in the Company&#146;s
securities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities having a carrying value of $20,117,000 at December&nbsp;31, 2011 were pledged to secure public deposits, securities
sold under agreements to repurchase, and for other purposes required by law. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 3. Loans </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The composition of loans at December&nbsp;31, 2011 and 2010 was as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="74%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage loans on real estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and land development</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,560</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Secured by farmland</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,390</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Secured by 1-4 family residential properties</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">212,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">207,671</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">118,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans to farmers</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,910</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial and industrial loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer installment loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">All other loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">410,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">408,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less: Allowance for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">401,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">401,338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 4. Allowance for Loan Losses </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Changes in the allowance for loan losses for the years ended December&nbsp;31, 2011, 2010 and 2009 were as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="73%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, beginning</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision charged to operating expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Recoveries added to the allowance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">848</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">291</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loan losses charged to the allowance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,966</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(3,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance, ending</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">48 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nonaccrual and past due loans by class at December&nbsp;31, 2011 and 2010 were as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD WIDTH="41%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
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<TD></TD>
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<TD></TD>
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<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
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<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
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<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="30" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>As of December&nbsp;31, 2011</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in
thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">30 - 59<BR>Days<BR>Past&nbsp;Due</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">60 - 89<BR>Days<BR>Past&nbsp;Due</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">90 or More<BR>Days<BR>Past&nbsp;Due</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total&nbsp;Past<BR>Due</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Current</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total&nbsp;Loans</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">90 or More<BR>Days&nbsp;Past&nbsp;Due<BR>Still Accruing</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nonaccrual<BR>Loans</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial - Non Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">421</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">535</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,331</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Owner Occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">447</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82,476</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83,106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,975</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,962</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,594</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,594</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">151</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,375</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,375</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Installment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity Lines</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">247</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,429</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,098</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">176,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">179,209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">All Other Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,679</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,769</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">403,807</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">410,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="32"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="30" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>As of December 31, 2010</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in
thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">30&nbsp;-&nbsp;59<BR>Days<BR>Past&nbsp;Due</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">60&nbsp;-&nbsp;89<BR>Days<BR>Past&nbsp;Due</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">90&nbsp;or&nbsp;More<BR>Days<BR>Past&nbsp;Due</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total&nbsp;Past<BR>Due</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Current</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total&nbsp;Loans</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">90 or More<BR>Past Due</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">Still Accruing</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Nonaccrual<BR>Loans</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial - Non Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">129</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,222</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">267</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Owner Occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">938</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83,391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,071</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">248</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">294</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">542</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,448</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,990</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,255</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,042</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,297</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,808</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,222</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">911</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Installment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,262</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity Lines</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">781</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">841</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">41,848</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,814</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">490</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,806</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">162,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">164,982</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,041</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">All Other Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">696</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">696</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,016</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,971</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">397,478</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">408,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,377</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">49 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance for loan losses by segment for the years ended December&nbsp;31, 2011 and 2010 were as follows:
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="53%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="30" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>As of and for the Year Ended December&nbsp;31, 2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="30" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands )</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Construction<BR>and&nbsp;Farmland</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Residential<BR>Real Estate</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial<BR>Real Estate</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Consumer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">All&nbsp;Other</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">Loans</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Unallocated</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Allowance for credit losses:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Beginning Balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,457</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">819</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Charge-Offs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(331</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,966</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Recoveries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">292</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">195</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">848</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,948</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">992</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,618</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,544</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,057</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,077</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance: Individually evaluated for impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,468</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,071</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">544</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance: collectively evaluated for impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,473</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">907</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,510</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Financing receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,969</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">217,155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">118,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">410,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance individually evaluated for impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,186</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,890</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance collectively evaluated for impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,612</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">207,407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">111,857</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,267</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">390,534</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="32"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="30" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>For the Year Ended December 31, 2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="30" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Construction<BR>and Farmland</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Residential<BR>Real Estate</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial<BR>Real Estate</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Commercial</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Consumer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">All Other<BR>Loans</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Unallocated</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Total</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Allowance for credit losses:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,457</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">819</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance: Individually evaluated for impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">622</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance: collectively evaluated for impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">764</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,834</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">958</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,454</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Financing receivables:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">35,892</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">212,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">408,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance individually evaluated for impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending balance collectively evaluated for impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">201,407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">111,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">388,268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">50 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired loans by class at December&nbsp;31, 2011 and 2010 were as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>As of December&nbsp;31, 2011</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in
thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Unpaid<BR>Principal<BR>Balance</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Recorded<BR>Investment</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Related<BR>Allowance</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average<BR>Recorded<BR>Investment</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Interest<BR>Income<BR>Recognized</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>With no related allowance:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial - Non Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Owner Occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,529</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,567</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">466</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity lines</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,853</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,881</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,696</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">360</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>With an allowance recorded:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial - Non Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">594</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">544</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">602</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Owner Occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,997</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,006</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,468</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity lines</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">402</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">404</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">404</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,940</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,746</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,029</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,074</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">486</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Total:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">544</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">604</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,326</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">306</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,367</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,468</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,478</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,763</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,071</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">346</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,890</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,955</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,871</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">51 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>As of December&nbsp;31, 2010</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in
thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Unpaid<BR>Principal<BR>Balance</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Recorded<BR>Investment</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Related<BR>Allowance</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Average<BR>Recorded<BR>Investment</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Interest<BR>Income<BR>Recognized</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>With no related allowance:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial - Non Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Owner Occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,151</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,447</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,447</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity lines</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">685</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">690</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,736</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,851</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,890</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>With an allowance recorded:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial - Non Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">695</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Owner Occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">306</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">306</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">548</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">151</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">622</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,259</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity lines</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,055</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,093</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,653</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other Loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,369</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Total:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">695</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,925</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">622</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,710</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,232</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,079</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20,259</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,409</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">797</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Recorded investment is defined as the summation of the principal balance, accrued interest, and net deferred loan fees or
costs. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">52 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired loans at December&nbsp;31, 2009 were as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="84%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,<BR>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in&nbsp;thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired loans for which, an allowance has been provided</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">no allowance has been provided</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total impaired loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,643</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance provided for impaired loans included in ALLL</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average balance of impaired loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,893</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income recognized</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company uses a rating system for evaluating the risks associated with non-consumer loans. Consumer loans are not
evaluated for risk unless the characteristics of the loan fall within classified categories. Descriptions of these ratings are as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="12%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="85%"></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pass</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pass loans exhibit acceptable operating trends, balance sheet trends, and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the
borrower in an as agreed manner.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Watch</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Watch loans exhibit income volatility, negative operating trends, and a highly leveraged balance sheet. A higher level of supervision is required for these loans as the potential
for a negative event could impact the borrower&#146;s ability to repay the loan.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Special&nbsp;mention</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Special mention loans exhibit a potential weakness, if left uncorrected, may negatively affect the borrower&#146;s ability to repay its debt obligation. The risk of default is
not imminent and the borrower still demonstrates sufficient cash flow to support the loan.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Substandard</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Substandard loans exhibit well defined weaknesses and have a high probability of default. The borrowers exhibit adverse financial trends but still have the ability to service
debt obligations.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Doubtful</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Doubtful loans exhibit all of the characteristics inherent in substandard loans but the weaknesses make collection or full liquidation highly questionable.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loss</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loss loans are considered uncollectible and of such little value that its continuance as a bankable asset is not warranted.</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">53 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Credit quality information by class at December&nbsp;31, 2011 and 2010 was as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="53%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="26" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>As of December&nbsp;31,
2011</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in&nbsp;thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000;width:126pt"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>INTERNAL RISK RATING GRADES<B></B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Pass<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Watch<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Special</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">Mention</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Substandard<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Doubtful<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Loss<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Total<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial - Non Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,960</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,668</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">991</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Owner Occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,613</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,759</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,641</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83,106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,839</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">755</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,594</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,990</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,029</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,375</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity Lines</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,862</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">985</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,429</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,939</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,367</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">179,209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,230</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">967</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">All other loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">318,200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,022</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,722</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">397,239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Performing<B></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Nonperforming<B></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer Credit Exposure by Payment Activity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="53%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="26" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>As of December&nbsp;31,
2010</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in&nbsp;thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000;width:126pt"><FONT STYLE="font-family:Times New Roman" SIZE="1">INTERNAL RISK RATING GRADES</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Pass<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Watch<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Special</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">Mention</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Substandard<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Doubtful<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Loss<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Total<B></B></FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR STYLE="font-size:1px">
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial - Non Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial&nbsp;&amp; Industrial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,990</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">845</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,535</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,812</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">267</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">24,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Owner Occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,686</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,823</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,899</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83,391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,569</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,990</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,431</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">790</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,378</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,129</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26,461</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity Lines</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">41,430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">860</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">147,445</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,674</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">164,982</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Multifamily</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,272</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">All other loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,581</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">333,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17,740</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,145</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,048</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">393,931</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="75%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Performing<B></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B></B>Nonperforming<B></B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consumer Credit Exposure by Payment Activity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,262</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">One consumer loan was rated as watch for $17,000, one consumer loan was rated as special mention for $292,000, four
consumer loans were rated as substandard for $19,000 and one consumer loan was rated as doubtful for $5,000 at December&nbsp;31, 2011. One consumer loan was rated as watch for $23,000 and two consumer loans were rated as substandard for $10,000 at
December&nbsp;31, 2010. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">54 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 5. Troubled Debt Restructurings </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">All loans deemed a troubled debt restructuring, or &#147;TDR&#148;, are considered impaired, and are evaluated for collateral and cash-flow sufficiency. A loan is considered a TDR when the Company, for
economic or legal reasons related to a borrower&#146;s financial difficulties, grants a concession to the borrower that the Company would not otherwise consider. All of the following factors are indicators that the Bank has granted a concession (one
or multiple items may be present): </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">The borrower receives a reduction of the stated interest rate to a rate less than the institution is willing to accept at the time of the restructure
for a new loan with comparable risk. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">The borrower receives an extension of the maturity date or dates at a stated interest rate lower than the current market interest rate for new debt
with similar risk characteristics. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">The borrower receives a reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement.
</FONT></P></TD></TR></TABLE> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">The borrower receives a deferral of required payments (principal and/or interest). </FONT></P></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="5%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">The borrower receives a reduction of the accrued interest. </FONT></P></TD></TR></TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">There were twenty-five troubled debt restructured loans at December&nbsp;31, 2011 amounting to $10,706,000. There were thirty-one troubled debt restructured loans at December&nbsp;31, 2010 amounting to
$8,469,000. There were no outstanding commitments to lend additional amounts to troubled debt restructured borrowers at December&nbsp;31, 2011. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table set forth information on the Company&#146;s troubled debt restructurings by class of financing receivable occurring during the year
ended December&nbsp;31, 2011. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>For the Year Ended December&nbsp;31, 2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Number&nbsp;of<BR>Contracts</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Pre-Modification<BR>Outstanding<BR>Recorded<BR>Investment</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Post-Modification<BR>Outstanding<BR>Recorded<BR>Investment</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Impairment<BR>Accrued</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,530</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,530</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">713</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,389</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">393</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,279</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,011</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">During the year ended December&nbsp;31, 2011, the Company restructured eleven loans by granting concessions to borrowers
experiencing financial difficulties. For each of the two commercial real estate loans above, two commercial real estate loans were combined into the one restructured commercial real estate loan. On one of the two loans, monthly payments were
converted from principal and interest to interest only. The other loan remained on principal and interest payments, but the original loans were re-amortized. The residential construction loan was modified by granting a reduction in the required
monthly payment. During the year ended December&nbsp;31, 2011, eight single family residential loans were modified. Four of the loans were modified by granting interest rate reductions, another two had payment requirements modified from principal
and interest to interest only, while the two remaining loans were modified by granting a reduction in the required monthly payment. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">55 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans by class of financing receivable modified as TDRs within the previous 12 months and for which there
was a payment default during the year ended December&nbsp;31, 2011 were: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR STYLE="visibility:hidden; line-height:0pt; color:white">
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">$613</FONT></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="11%"></TD>
<TD></TD>
<TD nowrap><FONT STYLE="Times New Roman" SIZE="2">$613</FONT></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Year&nbsp;Ended&nbsp;December&nbsp;31,&nbsp;2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Number&nbsp;of<BR>Contracts</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Recorded<BR>Investment</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial Real Estate:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">613</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">898</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Construction and Farmland:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Residential:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Single family</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">A loan is considered to be in payment default once it is thirty days contractually past due under the modified terms.
</FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 6. Bank Premises and Equipment, Net </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The major classes of bank premises and equipment and the total accumulated depreciation at December&nbsp;31, 2011 and 2010 were as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Land</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,727</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,004</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Buildings and improvements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Furniture and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,063</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,749</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,704</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">25,552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Less accumulated depreciation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank premises and equipment, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Depreciation expense on buildings and improvements was $443,000, $404,000, and $388,000 for the years ended
December&nbsp;31, 2011, 2010, and 2009, respectively. Depreciation expense on furniture and equipment was $400,000, $375,000, and $390,000 for the years ended December&nbsp;31, 2011, 2010, and 2009, respectively. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank leases certain facilities under operating leases, which expire at various dates through 2032. These leases require payment of certain operating
expenses and contain renewal options. The total minimum rental commitment at December&nbsp;31, 2011 under these leases was due as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,&nbsp;2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2012</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2015</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2016</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Thereafter</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">804</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The total building and equipment rental expense was $147,000, $176,000, and $174,000 in 2011, 2010, and 2009,
respectively. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">56 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 7. Deposits </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The composition of deposits at December&nbsp;31, 2011 and 2010 was as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest bearing demand deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">107,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">98,256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Savings and interest bearing demand deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">NOW accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">72,413</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Money market accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">83,393</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">69,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Regular savings accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">47,838</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,369</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">210,158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">184,548</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Time deposits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balances of less than $100,000</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76,956</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85,269</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balances of $100,000 and more</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54,114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">146,492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">448,465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">429,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Time deposits with balances of less than $100,000 include $10,107,000 and $20,172,000 in brokered certificates of deposit
at December&nbsp;31, 2011 and 2010, respectively. Time deposits with balances of $100,000 and more include $6,523,000 and $11,726,000 in brokered certificates of deposit at December&nbsp;31, 2011 and 2010, respectively. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The outstanding balance of time deposits at December&nbsp;31, 2011 was due as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,&nbsp;2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2012</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">97,180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2015</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2016</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,855</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposit overdrafts reclassified as loans totaled $156,000 and $107,000 at December&nbsp;31, 2011 and 2010, respectively.
</FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 8. Borrowings </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
Company, through its subsidiary bank, borrows funds in the form of federal funds purchased, securities sold under agreements to repurchase and Federal Home Loan Bank advances. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Federal fund lines of credit are extended to the Bank by nonaffiliated banks with which a correspondent banking relationship exists. The line of credit amount is determined by the creditworthiness of the
Bank and, in particular, its regulatory capital ratios, which are discussed in Note 16. Federal funds purchased generally mature each business day. The following table summarizes information related to federal funds purchased for the years ended
December&nbsp;31, 2011 and 2010: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(dollars in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at year-end</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average balance during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average interest rate during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum month-end balance during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,945</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Gross lines of credit at year-end</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unused lines of credit at year-end</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">57 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities sold under agreements to repurchase are borrowings in which the Bank obtains funds by selling
securities and simultaneously agreeing to repurchase the securities for an agreed upon term at a given price which includes interest. The Company had $0 in funds from certain customers through retail repurchase agreements at December&nbsp;31, 2011.
Generally, the term for retail repurchase agreements is the next business day. The Company had $10,000,000 in funds from a larger financial institution through a wholesale repurchase agreement at December&nbsp;31, 2011. The original term of this
wholesale repurchase agreement, which was executed during 2008, was five years and the counterparty has the option to call the debt after three years. The amount of borrowings through securities sold under agreements to repurchase is restricted by
the amount of securities which are designated for these transactions. The following table summarizes information related to securities sold under agreement to repurchase for the years ended December&nbsp;31, 2011 and 2010: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(dollars in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Balance at year-end</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average balance during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,416</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,971</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Average interest rate during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Maximum month-end balance during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,050</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities underlying the agreements at year-end:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Carrying value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,918</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19,667</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank had a $112,990,000 line of credit with the Federal Home Loan Bank of Atlanta which was secured by a blanket lien
on the loan portfolio at December&nbsp;31, 2011. The Company had $42,250,000 in advances outstanding at December&nbsp;31, 2011 (see details below); therefore, the unused line of credit totaled $70,740,000. Advances bear interest at a fixed or
floating rate depending on the terms and maturity of each advance and numerous renewal options are available to the Company. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company had
$20,000,000 in short-term borrowings with the FHLB at December&nbsp;31, 2011. The weighted average interest rate on outstanding short-term advances at December&nbsp;31, 2011 was 3.55%. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company had $22,250,000 in long-term borrowings with the FHLB at December&nbsp;31, 2011, which matures as follows: $2,250,000 in 2014 and $20,000,000 in 2015. The interest rates on the outstanding
long-term advances at December&nbsp;31, 2011 ranged from 3.02% to 4.07%. The weighted average interest rate on outstanding long-term advances at December&nbsp;31, 2011 was 3.50%. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">58 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 9. Income Taxes </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company files income tax returns with the United States of America and the Commonwealth of Virginia. With few exceptions, the Company is no longer subject to federal, state, or local income tax
examinations for years prior to 2008. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The net deferred tax asset at December&nbsp;31, 2011 and 2010 consisted of the following components:
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred tax assets:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Allowance for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred compensation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accrued postretirement benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accrued pension benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Home equity origination costs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other than temporary impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate swap</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other real estate owned expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,380</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,960</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred tax liabilities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Property and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">566</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">458</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities available for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,247</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net deferred tax asset</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has not recorded a valuation allowance for deferred tax assets because management believes that it is more
likely than not that they will be ultimately realized. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income tax expense for the years ended December&nbsp;31, 2011, 2010 and 2009 consisted
of the following components: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Current tax expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,667</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred tax (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(652</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table reconciles income tax expense to the statutory federal corporate income tax amount, which was
calculated by applying the federal corporate income tax rate to pre-tax income for the years ended December&nbsp;31, 2011, 2010 and 2009. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="84%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Statutory federal corporate tax amount</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,936</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,515</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax-exempt interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(563</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(544</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(505</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">59 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 10. Pension and Postretirement Benefit Plans </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Effective December&nbsp;31, 2006, the pension plan was amended and frozen so that no further benefits will accrue under the plan and no additional
employees may become participants.&nbsp;The pension plan was terminated effective September&nbsp;30, 2011 and after receiving final approval from the Internal Revenue Service, distributions in the form of lump-sum cash payments to plan participants,
rollovers and purchasing annuity contracts were completed on December&nbsp;19, 2011.&nbsp;The Company recognized a loss of $589,000 on the distribution of the plan&#146;s assets.&nbsp;The loss is included in salaries and employee benefits expense on
the consolidated statements of income. An additional $141,000 in expense was incurred during 2011 for the purchase of employee retirement annuities. The expense is included in outside service fees on the consolidated statements of income.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company provides certain health care and life insurance benefits for six retired employees who have met certain eligibility requirements.
All other employees retiring after reaching age 65 and having at least 15 years of service with the Company will be allowed to stay on the Company&#146;s group life and health insurance policies, but will be required to pay premiums. The
Company&#146;s share of the estimated costs that will be paid after retirement is generally being accrued by charges to expense over the employees&#146; active service periods to the dates they are fully eligible for benefits, except that the
Company&#146;s unfunded cost that existed at January&nbsp;1, 1993 is being accrued primarily in a straight-line manner that will result in its full accrual by December&nbsp;31, 2013. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following amounts that have not been recognized in the net periodic benefit cost of the postretirement benefit plan for the year ended December&nbsp;31, 2011 and are included in other comprehensive
income: unrecognized net actuarial gain of $50. The transition obligation included in other comprehensive income and expected to be recognized in the net periodic benefit cost of the postretirement benefit plan during 2012 is $0. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following tables provide a reconciliation of the changes in the benefit obligations and fair value of assets for 2011, 2010, and 2009 and a statement
of the funded status at December&nbsp;31, 2011, 2010 and 2009 for the pension and postretirement benefit plans of the Company. The Company uses a December&nbsp;31st measurement date for its plans. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">60 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="67%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Pension Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Postretirement&nbsp;Benefits&nbsp;Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Change in Benefit Obligation:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Benefit obligation, beginning</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,859</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Service cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Actuarial loss (gain)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Benefits paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Settlement loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Benefit obligation, ending</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Change in Plan Assets:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair value of plan assets, beginning</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,955</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,691</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Actual return on plan assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">498</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employer contributions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">730</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">279</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Benefits paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fair value of plan assets, ending</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,955</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="12"></TD>
<TD HEIGHT="16" COLSPAN="12"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Pension Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Postretirement&nbsp;Benefits&nbsp;Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Funded Status:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Funded status</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrecognized net actuarial loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrecognized net transition obligation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unrecognized prior service cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Prepaid (accrued) benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Amounts Recognized in Consolidated Balance Sheets:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Prepaid benefit cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accrued benefit (liability)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Amounts Recognized in Accumulated Other Comprehensive Income:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net actuarial loss (gain)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">434</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net transition obligation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deferred tax (benefit)/liability</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(288</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">558</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The accumulated benefit obligation for the pension plan was distributed during 2011, and as a result, there was no
accumulated benefit obligation at December&nbsp;31, 2011. The accumulated benefit obligation for the pension plan was $3,684,000, and $3,801,000 at December&nbsp;31, 2010, and 2009, respectively. Due to the amendment of the pension plan, the
accumulated benefit obligation and projected benefit obligation are equivalent at December&nbsp;31, 2010 and 2009. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">61 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following tables provide the components of net periodic benefit cost of the pension plan and
postretirement benefit plan for the years ended December&nbsp;31, 2011, 2010, and 2009: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="70%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Pension Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Postretirement&nbsp;Benefits&nbsp;Plan</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Components of Net Periodic Benefit Cost:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Service cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Expected return on plan assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortization of prior service costs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortization of transition obligation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Recognized net loss due to settlement</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortization of net actuarial loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">235</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net periodic benefit cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The total recognized net periodic benefit cost and other comprehensive income for the pension plan was $(303,000),
$(5,000), and $4,000 during 2011, 2010, and 2009, respectively. The total recognized net periodic benefit cost and other comprehensive income for the postretirement benefits plan was $(6,000), $2,000, and $(54,000) during 2011, 2010, and 2009,
respectively. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The benefit obligation for the pension plan was calculated using the following assumptions; weighted average discount rate of
6.10% for 2010 and 5.00% 2009. Due to the amendment of the pension plan, no rate of compensation increase was assumed for or 2010 and 2009. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The net periodic benefit cost for the pension plan was calculated using the following assumptions; weighted average discount rate of 6.10% for 2011 and
5.00% for 2010 and 2009, expected long-term return on plan assets of 5.00% for 2011, 2010, and 2009. Due to the amendment of the pension plan, no rate of compensation increase was assumed for 2011, 2010, and 2009. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The benefit obligation for the postretirement benefit plan was calculated using a weighted average discount rate of 4.25% for 2011, 5.00% for 2010, and
6.00% for 2009. For measurement purposes, a 10.00% annual rate of increase in the per capita cost of covered health care benefits was assumed for 2012 and 2013, 8.00% for 2014 and 2015, and 6.00% for 2016 and thereafter. If these rates were
increased by 1.00% in each year, the benefit obligation at December&nbsp;31, 2011 would have increased by $6,000 and the net periodic benefit cost for 2011 would have increased by less than $500. If these rates were decreased by 1.00% in each year,
the benefit obligation at December&nbsp;31, 2011 would have decreased by $6,000 and the net periodic benefit cost for 2011 would have decreased by less than $500. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following table provides the pension plan&#146;s asset allocation as of December&nbsp;31, 2010: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="80%"></TD>
<TD VALIGN="bottom" WIDTH="18%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31,&nbsp;2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Debt securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">All plan assets were distributed to pension plan beneficiaries during 2011 and no future payments are expected.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Estimated future benefit payments at December&nbsp;31, 2011, which reflect expected future service, as appropriate, were as follows:
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="68%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="15%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Postretirement<BR>Benefits</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2012</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2015</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2016</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">2017 - 2020</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">62 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The pension financial instruments measured and reported at fair value are classified and disclosed in one of
the following categories: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="1%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="90%"></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either
directly or indirectly, for substantially the full term of the financial instrument.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Inputs to the valuation methodology are unobservable and significant to the fair value measurement.</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents balances of pension assets measured at fair value on December&nbsp;31, 2010: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair Value Measurements at December&nbsp;31, 2010 Using</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balance as of<BR>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Quoted&nbsp;Prices<BR>in Active<BR>Markets for<BR>Identical<BR>Assets</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Other<BR>Observable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Unobservable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 2)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 3)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash Equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">AA corporate bonds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mutual Funds </FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(a)</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,714</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,714</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets at fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">100% of mutual funds are invested in fixed income corporate bond securities. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">70% of mutual funds invest in common stock of large-cap companies. 30% of mutual funds invest in common stock of mid-cap companies. 10% of mutual funds invest in common
stock of small-cap companies. </FONT></TD></TR></TABLE> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 11. Stock-Based Compensation </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The exercise price of stock options granted under this plan, both incentive and non-qualified, cannot be less than the fair market value of the common stock on the date that the option is granted. The
maximum term for an option granted under this plan is ten years and options granted may be subject to a vesting schedule. All of the non-qualified stock options granted under the plan had a ten year term and were subject to a vesting period. The
following table summarizes options outstanding at December&nbsp;31, 2011, 2010, and 2009: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Shares</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Weighted<BR>Average<BR>Exercise<BR>Price</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Aggregate<BR>Intrinsic<BR>Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Shares</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Weighted<BR>Average<BR>Exercise<BR>Price</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Shares</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Weighted<BR>Average<BR>Exercise<BR>Price</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outstanding, beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Granted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exercised</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Forfeited</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Outstanding, end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exercisable, end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Weighted average fair value of options granted during the year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"> &#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The aggregate intrinsic value in the table is equal to the amount that would have been received by the option holders had
all options been exercised on December&nbsp;31, 2011. It is derived from the amount by which the current market value of the underlying stock exceeds the exercise price of the option. This amount fluctuates in relation to the market value of the
Company&#146;s stock. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">63 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes options outstanding and exercisable at December&nbsp;31, 2011: </FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="86%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="20%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="16%"></TD></TR>
<TR>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Options Outstanding</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="3" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Options Exercisable</B></FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Range of<BR>Exercise</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000;width:17pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Price</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Number</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Outstanding</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Weighted</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Remaining</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Contractual</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Life (in years)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Weighted</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Exercise</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Price</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Number</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Exercisable</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center" STYLE="border-bottom:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Weighted</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Average</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Exercise</B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Price</B></FONT></P></TD></TR>


<TR BGCOLOR="#cceeff">
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21.63</FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.75</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21.63</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21.63</FONT></TD></TR>
<TR>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.55</FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.75</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.55</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.55</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;21.55&nbsp;-21.63</FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.25</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21.59</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,000</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;21.59</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Restricted Stock provides grantees with rights to shares of common stock upon completion of a service period or
achievement of Company performance measures. During the restriction period, all shares are considered outstanding and dividends are paid to the grantee. Outside directors are periodically granted restricted shares which vest over a period of less
than six months. During 2011, executive officers were granted restricted shares which vest over a three year service period and restricted shares which vest based on meeting performance measures over a three year period. The following table presents
the activity for Restricted Stock for the years ended December&nbsp;31, 2011, 2010 and 2009: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Shares</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Weighted<BR>Average<BR>Grant&nbsp;
Date</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair&nbsp;Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Shares</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Weighted<BR>Average<BR>Grant&nbsp;
Date</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair&nbsp;Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Shares</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Weighted<BR>Average<BR>Grant&nbsp;
Date</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair&nbsp;Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nonvested, beginning of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,772</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,335</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Granted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">11,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vested</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(9,291</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">17.55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,936</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">19.51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21.12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Forfeited</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(5,527</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,348</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">26.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nonvested, end of year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">12,772</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,335</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-right:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company recognizes compensation expense over the restricted period. Compensation expense was
$166,000, $116,000, and $166,000 during 2011, 2010, and 2009, respectively. The total grant date fair value of Restricted Stock which vested was $163,000 and $155,000 for the years ended December&nbsp;31, 2011 and 2010, respectively. Unrecognized
compensation cost related to unvested Restricted Stock was $47,000 at December&nbsp;31, 2011. This amount is expected to be recognized over a weighted average period of 1.1&nbsp;years. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 12. Employee Benefits </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has established an Employee Stock Ownership Plan
(ESOP) to provide additional retirement benefits to substantially all employees. Contributions can be made to the Bank of Clarke County Employee Retirement Trust to be used to purchase the Company&#146;s common stock. There were no contributions in
2011, 2010, and 2009. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px;padding-bottom:0px;"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of
salary on a pretax basis, subject to certain IRS limits. Prior to January&nbsp;1, 2007, the Company matched 50 percent of employee contributions, on a maximum of six percent of salary deferred, with Company common stock or cash, as elected by each
employee. The shares for this purpose are provided principally by the Company&#146;s employee stock ownership plan (ESOP), supplemented, as needed, by newly issued shares. Contributions under the plan amounted to $739,000 in 2011, $668,000 in 2010,
and $675,000 in 2009. In conjunction with amending the pension plan, the 401(k) plan was amended, effective January&nbsp;1, 2007, to include a non-elective safe-harbor employer contribution and an age-weighted employer contribution. Each
December&nbsp;31</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">st</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">, qualifying employees will receive a
non-elective safe-harbor contribution equal to three percent of their salary for that year. Also, each
December&nbsp;31</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">st</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">, qualifying employees will receive an
additional contribution based on their age and years of service. The percentage of salary for the age-weighted contribution increases on both factors, age and years of service, with a minimum of one percent of salary and a maximum of ten percent of
salary. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company has established an Executive Supplemental Income Plan for certain key employees. Benefits are to be paid in monthly
installments following retirement or death. The agreement provides that if employment is terminated for reasons other than death or disability prior to age 65, the amount of benefits could be reduced or forfeited. The executive supplemental income
benefit expense, based on the present value of the retirement benefits, was $13,000 in 2011, $13,000 in 2010, and $14,000 in 2009. The plan is unfunded; however, life insurance has been acquired on the lives of these employees in amounts sufficient
to discharge the plan&#146;s obligations. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">64 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 13. Commitments and Contingencies </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In the normal course of business, the Company makes various commitments and incurs certain contingent liabilities, which are not reflected in the accompanying financial statements. These commitments and
contingent liabilities include various guarantees, commitments to extend credit and standby letters of credit. The Company does not anticipate any material losses as a result of these commitments. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">During the normal course of business, various legal claims arise from time to time which, in the opinion of management, will have no material effect on
the Company&#146;s consolidated financial statements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">As a member of the Federal Reserve System, the Bank is required to maintain certain
average reserve balances. These reserve balances include usable vault cash and amounts on deposit with the Federal Reserve Bank. For the final weekly reporting period in the years ended December&nbsp;31, 2011 and 2010, the amount of daily average
required balances were approximately $630,000 and $824,000, respectively. In addition, the Bank was required to maintain a compensating balance on deposit with a correspondent bank in the amount of $250,000 at December&nbsp;31, 2011 and 2010.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Note 19 with respect to financial instruments with off-balance-sheet risk. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 14. Derivative Instruments and Hedging Activities </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Interest Rate Swaps
</B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company uses interest rate swaps to reduce interest rate risks and to manage interest expense. By entering into these agreements, the
Company converts floating rate debt into fixed rate debt, or alternatively, converts fixed rate debt into floating rate debt. Interest differentials paid or received under the swap agreements are reflected as adjustments to interest expense. These
interest rate swap agreements are derivative instruments that qualify for hedge accounting as discussed in Note 1. The notional amounts of the interest rate swaps are not exchanged and do not represent exposure to credit loss. In the event of
default by a counterparty, the risk in these transactions is the cost of replacing the agreements at current market rates. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">On
December&nbsp;4, 2008, the Company entered into an interest rate swap agreement related to the outstanding trust preferred capital notes. The swap agreement became effective on December&nbsp;1, 2008. The notional amount of the interest rate swap was
$7,000,000 and has an expiration date of December&nbsp;1, 2016. The estimated fair value was $(580,000) at December&nbsp;31, 2011 and $(169,000) at December&nbsp;31, 2010. Under the terms of the agreement, the Company pays interest quarterly at a
fixed rate of 2.85% and receives interest quarterly at a variable rate of three month LIBOR. The variable rate resets on each interest payment date. The Company recognized interest expense of $180,000 in 2011 and $178,000 in 2010 related to this
interest rate swap. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes the fair value of derivative instruments at December&nbsp;31, 2011 and 2010: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Balance&nbsp;Sheet<BR>Location</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Fair<BR>Value</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Balance&nbsp;Sheet<BR>Location</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Fair<BR>Value</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(dollars in thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Derivatives designated as hedging instruments under GAAP</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate swap contracts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;Liabilities</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other&nbsp;Liabilities</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following tables present the effect of the derivative instrument on the Consolidated Balance Sheet at
December&nbsp;31, 2011 and 2010 and the Consolidated Statements of Income for December&nbsp;31, 2011, 2010, and 2009: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="63%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
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<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Year Ended December&nbsp;31,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" ROWSPAN="2" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="1">Derivatives in GAAP</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="1">Cash Flow Hedging</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000;width:68pt"><FONT STYLE="font-family:Times New Roman" SIZE="1">Relationships</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Amount of Loss<BR>Recognized&nbsp;in&nbsp;OCI<BR>on Derivative<BR>(Effective&nbsp;Portion)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ROWSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Location&nbsp;of&nbsp;Loss<BR>Reclassified&nbsp;from<BR>Accumulated&nbsp;OCI<BR>into
Income</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">(Ineffective&nbsp;Portion)</FONT></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">Amount of Loss</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">Reclassified from</FONT><br><FONT
STYLE="font-family:Times New Roman" SIZE="1">Accumulated</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">OCI into Income</FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1">(Ineffective Portion)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2010</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2011</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2010</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1">2009</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(dollars&nbsp;in&nbsp;thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">(dollars in thousands)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate swap contracts, net of tax</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">65 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 15. Transactions with Directors and Officers </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank grants loans to and accepts deposits from its directors, principal officers and related parties of such persons during the ordinary course of
business. The aggregate balance of loans to directors, principal officers and their related parties was $11,210,000 and $10,281,000 at December&nbsp;31, 2011 and 2010, respectively. These balances reflect total principal additions of $5,097,000 and
total principal payments of $4,168,000 during 2011. The aggregate balance of deposits from directors, principal officers and their related parties was $10,010,000 and $7,436,000 at December&nbsp;31, 2011 and 2010, respectively. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 16. Capital Requirements </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional
discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company&#146;s and Bank&#146;s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the
Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and
classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set
forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to average assets (as defined). Management believes that the Company and the Bank met all capital
adequacy requirements to which they are subject at December&nbsp;31, 2011 and 2010. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">At December&nbsp;31, 2011, the most recent notification
from the Federal Reserve Bank categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, and
Tier 1 leverage ratios as set forth in the tables. There are no conditions or events since the notification that management believes have changed the Bank&#146;s category. The following table presents the Company&#146;s and the Bank&#146;s actual
capital amounts and ratios at December&nbsp;31, 2011 and 2010: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="65%"></TD>
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<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Actual</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Minimum<BR>Capital<BR>Requirement</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Minimum</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>To&nbsp;Be&nbsp;
Well<BR>Capitalized&nbsp;Under<BR>Prompt&nbsp;Corrective<BR>Action&nbsp;Provisions</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Ratio</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Ratio</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Ratio</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(dollars in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>December&nbsp;31, 2011:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Capital to Risk Weighted Assets Consolidated</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">67,155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank of Clarke County</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">60,930</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier 1 Capital to Risk Weighted Assets Consolidated</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank of Clarke County</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">55,986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,669</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier 1 Capital to Average Assets Consolidated</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">62,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank of Clarke County</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">55,986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">28,382</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>December&nbsp;31, 2010:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total Capital to Risk Weighted Assets Consolidated</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">64,692</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">32,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank of Clarke County</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58,111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">31,935</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">39,919</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier 1 Capital to Risk Weighted Assets Consolidated</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank of Clarke County</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">53,095</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,967</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">23,951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tier 1 Capital to Average Assets Consolidated</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank of Clarke County</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">53,095</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">22,226</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">27,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">%&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">66 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 17. Restrictions On Dividends, Loans and Advances </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal and state banking regulations place certain restrictions on dividends paid and loans or advances made by the Bank to the Company. The total amount
of dividends which may be paid at any date is generally limited to the lesser of the Bank&#146;s retained earnings or the three preceding years&#146; undistributed net income of the Bank. Loans or advances are limited to 10% of the Bank&#146;s
capital stock and surplus on a secured basis. In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank&#146;s capital to be reduced below applicable minimum capital requirements.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">At December&nbsp;31, 2011, the Bank&#146;s retained earnings available for the payment of dividends to the Company was $7,278,000.
Accordingly, $51,879,000 of the Company&#146;s equity in the net assets of the Bank was restricted at December&nbsp;31, 2011. Funds available for loans or advances by the Bank to the Company amounted to $1,146,000 at December&nbsp;31, 2011.
</FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 18. Dividend Investment Plan </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company has a Dividend Investment Plan, which allows participants&#146; dividends to purchase additional shares of common stock at 95% of its fair market value on each dividend record date.
</FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 19. Financial Instruments with Off-Balance-Sheet Risk </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company, through its subsidiary bank, is a party to credit related financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers.
These financial instruments include commitments to extend credit, unfunded commitments under lines of credit, and commercial and standby letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in
excess of the amount recognized in the consolidated balance sheets. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s exposure to credit loss is represented by the
contractual amount of these instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">At December&nbsp;31, 2011 and 2010, the following financial instruments were outstanding whose contract amounts represent credit risk: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="76%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commitments to extend credit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,448,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,111,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unfunded commitments under lines of credit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,193,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">64,195,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial and standby letters of credit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,684,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,953,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commitments to extend credit are agreements to lend to a customer as long as the terms offered are acceptable and certain
other conditions are met. Commitments generally have fixed expiration dates or other termination clauses. Since these commitments may expire or terminate, the total commitment amounts do not necessarily represent future cash requirements. The amount
of collateral obtained, with regards to these commitments, is based on management&#146;s credit evaluation of the customer. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Unfunded
commitments under lines of credit are contracts for possible future extensions of credit to existing customers. Unfunded commitments under lines of credit include, but are not limited to, home equity lines of credit, overdraft protection lines of
credit, credit cards, and unsecured and secured commercial lines of credit. The terms and conditions of these commitments vary depending on the line of credit&#146;s purpose, collateral, and maturity. The amount disclosed above represents total
unused lines of credit for which a contract with the Bank has been established. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Commercial and standby letters of credit are conditional
commitments issued by the Bank to guarantee the performance of a customer to a third party. These letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration
dates within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in granting loans to customers. The Bank holds collateral supporting these commitments if it is deemed necessary. At
December&nbsp;31, 2011, none of the outstanding letters of credit were collateralized. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Bank has cash accounts in other commercial banks.
The amount on deposit in these banks at December&nbsp;31, 2011 exceeded the insurance limits of the Federal Deposit Insurance Corporation by $238,000. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 20. Trust Preferred Capital Notes </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In June 2007, Eagle Financial Statutory Trust II
(the &#147;Trust II&#148;), a wholly-owned subsidiary of the Company, was formed for the purpose of issuing redeemable capital securities. On June&nbsp;20, 2007, Trust II issued $7,000,000 of trust preferred securities and $217,000 in common equity.
The principal asset of Trust II is $7,217,000 of the Company&#146;s junior subordinated debt securities with the same maturity and interest rate structures as the capital securities. The securities have a LIBOR-indexed floating rate of interest and
the interest rate was 2.15% and 1.92% at December&nbsp;31, 2011 and 2010, respectively. The securities have a mandatory redemption date of September&nbsp;1, 2037, and are subject to varying call provisions beginning September&nbsp;1, 2012.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The trust preferred securities are included in Tier 1 capital for regulatory capital adequacy purposes as long as their amount does not
exceed 25% of Tier 1 capital, including total trust preferred securities. The portion of the trust preferred securities not considered as Tier 1 capital, if any, may be included in Tier 2 capital. At December&nbsp;31, 2011, the total amount
($7,000,000) of trust preferred securities issued by Trust II are included in the Company&#146;s Tier 1 capital. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">67 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The obligations of the Company with respect to the issuance of the capital securities constitute a full and
unconditional guarantee by the Company of the Trust&#146;s obligations with respect to the capital securities. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Subject to certain exceptions
and limitations, the Company may elect from time to time to defer interest payments on the junior subordinated debt securities, which would result in a deferral of distribution payments on the related capital securities. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 21. Quarterly Condensed Statements of Income - Unaudited </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The Company&#146;s quarterly net income, net income per common share and dividends per common share during 2011 and 2010 are summarized as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011 Quarter Ended</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>March&nbsp;31</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>June&nbsp;30</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September&nbsp;30</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands, except per share amounts)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest and dividend income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,839</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,864</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,920</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,948</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income after provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,682</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,956</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,405</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,542</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,444</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,567</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,393</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,804</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">807</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,167</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,323</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">693</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income per common share, basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income per common share, diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends per common share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="16"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010 Quarter Ended</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>March 31</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>June 30</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>September 30</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December 31</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands, except per share amounts)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total interest and dividend income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,950</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,061</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net interest income after provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,785</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,383</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Noninterest expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,290</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,356</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income before income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,063</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">470</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,578</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">461</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income per common share, basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income per common share, diluted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends per common share</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">0.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">68 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 22. Fair Value Measurements </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">GAAP requires the Company to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of certain assets and liabilities is an exit price,
representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">&#147;Fair Value Measurements&#148; defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and
enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="2%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="5%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="89%"></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either
directly or indirectly, for substantially the full term of the financial instrument.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Level&nbsp;3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Inputs to the valuation methodology are unobservable and significant to the fair value measurement.</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following sections provide a description of the valuation methodologies used for instruments measured at fair value,
as well as the general classification of such instruments pursuant to the valuation hierarchy: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities Available for Sale: Where quoted
prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices
are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities,
obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3
of the valuation hierarchy. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest Rate Swap: The fair value is estimated by a third party using inputs that are observable or that can be
corroborated by observable market data, and therefore, is classified within Level 2 of the valuation hierarchy. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">69 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table presents balances of financial assets and liabilities measured at fair value on a
recurring basis at December&nbsp;31, 2011 and December&nbsp;31, 2010: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" NOWRAP ALIGN="center">
<P STYLE="border-bottom:1px solid #000000;width:185pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair&nbsp;Value&nbsp;Measurements&nbsp;at&nbsp;December&nbsp;31,&nbsp;2011&nbsp;Using</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balance&nbsp;as&nbsp;of<BR>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Quoted&nbsp;Prices in<BR>Active<BR>Markets&nbsp;for<BR>Identical</B></FONT><br><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Assets</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Other<BR>Observable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Unobservable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 2)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 3)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Assets:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities available for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government corporations and agencies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">18,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">34,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">45,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank preferred stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets at fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">111,888</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Liabilities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate swap</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities at fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="12"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center">
<P STYLE="border-bottom:1px solid #000000;width:185pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair&nbsp;Value&nbsp;Measurements&nbsp;at&nbsp;December&nbsp;31,&nbsp;2010&nbsp;Using</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balance&nbsp;as&nbsp;of<BR>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Quoted&nbsp;Prices in<BR>Active<BR>Markets&nbsp;for<BR>Identical</B></FONT><br><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>Assets</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Other<BR>Observable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Unobservable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 2)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 3)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Assets:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities available for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of U.S. government corporations and agencies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">33,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Obligations of states and political subdivisions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,908</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">15,401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Equity securities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank preferred stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets at fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">107,616</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Liabilities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate swap</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities at fair value</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">70 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certain financial assets are measured at fair value on a nonrecurring basis in accordance with GAAP.
Adjustments to the fair value of these assets usually result from the application of lower of cost or market accounting or write downs of individual assets. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following describes the valuation techniques used by the Company to measure certain financial and nonfinancial assets recorded at fair value on a nonrecurring basis in the financial statements:
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired Loans: Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable
that all amounts due according to the contractual terms of the loan agreement will not be collected. The measurement of loss associated with impaired loans can be based on either the observable market price of the loan or the fair value of the
collateral. Fair value is measured based on the value of the collateral securing the loans. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral
is real estate. Level 2 impaired loan value is determined by utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Company using observable market data. If the
collateral is a house or building in the process of construction or if an appraisal of the real estate property is over two years old, then the fair value is considered Level 3. The value of business equipment is based upon an outside appraisal if
deemed significant, or the net book value on the applicable business&#146; financial statements if not considered significant using observable market data. Level 3 impaired loan values are determined using inventory and accounts receivables
collateral and are based on financial statement balances or aging reports. Impaired loans for which an allocation is made to the Allowance for Loan Losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in
the period incurred as provision for loan losses on the Consolidated Statements of Income. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other Real Estate Owned: Assets acquired through,
or in lieu of, loan foreclosure are held for sale and are initially recorded at the lesser of the fair value of the property, less selling costs or the loan balance outstanding at the date of foreclosure. Any write-downs based on the asset&#146;s
fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less
cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount of a property exceeds its fair value. Costs of significant property improvements are capitalized, whereas costs relating to
holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically performed by management, and any subsequent write-downs are recorded as a charge to operations, if
necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. We believe that the fair value component in its valuation follows the provisions of GAAP. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes the Company&#146;s financial and nonfinancial assets that were measured at fair value on a nonrecurring basis during the
period: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="58%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Carrying value at December&nbsp;31, 2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balance&nbsp;as&nbsp;of<BR>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Quoted&nbsp;Prices<BR>in Active<BR>Markets for<BR>Identical<BR>Assets</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Other<BR>Observable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Unobservable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 2)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 3)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial Assets:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,804</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">6,804</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nonfinancial Assets:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other real estate owned</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,378</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,378</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="12"></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Carrying value at December&nbsp;31, 2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Balance as of<BR>December&nbsp;31,</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Quoted&nbsp;Prices<BR>in Active<BR>Markets for<BR>Identical<BR>Assets</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Other<BR>Observable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Significant<BR>Unobservable<BR>Inputs</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 1)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 2)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(Level 3)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial Assets:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,673</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,673</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Nonfinancial Assets:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other real estate owned</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">71 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The fair value of a financial instrument is the current amount that would be exchanged between willing
parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company&#146;s various financial instruments. In cases where quoted
market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash
flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The following methods
and assumptions were used to estimate the fair value of the Company&#146;s financial instruments: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and short-term investments/restricted
investments/accrued interest: The fair value was equal to the carrying amount. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities: The fair value, excluding restricted securities,
was based on quoted market prices. The fair value of restricted securities approximated the carrying amount based on the redemption provisions of the issuers. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Loans: The fair value of variable rate loans, which reprice frequently and with no significant change in credit risk, was equal to the carrying amount. The fair value of all other loans was determined
using discounted cash flow analysis. The discount rate was equal to the current interest rate on similar products. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposits and borrowings:
The fair value of demand deposits, savings accounts, and certain money market deposits was equal to the carrying amount. The fair value of all other deposits and borrowings was determined using discounted cash flow analysis. The discount rate was
equal to the current interest rate on similar products. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Off-balance-sheet financial instruments: The fair value of commitments to extend
credit was estimated using the fees currently charged to enter similar agreements, taking into account the remaining terms of the agreements and the credit worthiness of the counterparties. The fair value of fixed rate loan commitments also
considered the difference between current interest rates and the committed interest rates. The fair value of standby letters of credit was estimated using the fees currently charged for similar agreements or on the estimated cost to terminate or
otherwise settle the obligations with the counterparties. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The carrying amount and fair value of the Company&#146;s financial instruments at
December&nbsp;31, 2011 and 2010 were as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="92%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="64%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31, 2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>December&nbsp;31, 2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Carrying<BR>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Carrying<BR>Amount</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Fair</B></FONT><br><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Value</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>(in thousands)</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial assets:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash and short-term investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,941</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">21,941</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">13,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">114,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">109,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Restricted Investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,982</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,982</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">401,681</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">418,230</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">401,338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">416,669</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accrued interest receivable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Financial liabilities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">448,465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">449,990</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">429,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">430,627</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal funds purchased and securities sold under agreements to repurchase</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">10,350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">14,950</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Federal Home Loan Bank advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">42,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">44,833</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">52,250</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54,853</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Trust preferred capital notes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accrued interest payable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">336</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">336</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest rate swap contract</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company assumes interest rate risk (the risk that general interest rate levels will change) during its normal
operations. As a result, the fair value of the Company&#146;s financial instruments will change when interest rate levels change and that change may be either favorable or unfavorable to the Company. Management attempts to match maturities of assets
and liabilities in order to minimize interest rate risk. However, borrowers with fixed rate obligations are less likely to prepay their principal balance in a rising rate environment and more likely to do so in a falling rate environment.
Conversely, depositors who are receiving fixed rate interest payments are more likely to withdraw funds before maturity in a rising rate environment and less likely to do so in a falling rate environment. Management monitors rates and maturities of
assets and liabilities and attempts to minimize interest rate risk by adjusting the terms of new loans and deposits and by investing in securities with terms that mitigate the Company&#146;s overall interest rate risk. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 23. Subsequent Events </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company
has evaluated events and transactions subsequent to December&nbsp;31, 2011 but before the financial statements are issued. Based on definitions and requirements of Generally Accepted Accounting Principles for &#147;Subsequent Events&#148;, the
Company has not identified any subsequent events that require adjustment to, or disclosure in, the financial statements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">72 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>NOTE 24. Condensed Financial Information &#150; Parent Company Only </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EAGLE FINANCIAL SERVICES, INC. </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(Parent Company Only) </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Balance Sheets </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>December&nbsp;31, 2011 and 2010 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>(dollars in thousands) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="86%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Assets</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash held in subsidiary bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Due from banks</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Securities available for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">5,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment in subsidiaries, at cost, plus undistributed net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">59,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">54,251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Investment in limited partnership</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">777</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,915</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Liabilities and Shareholders&#146; Equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Trust preferred capital notes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">7,417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Shareholders&#146; Equity</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Preferred stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">8,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Surplus</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,568</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">9,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">37,374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">35,419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Accumulated other comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,931</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">58,090</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">53,829</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total liabilities and shareholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">65,915</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">61,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">73 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EAGLE FINANCIAL SERVICES, INC. </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(Parent Company Only) </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Statements of Income </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Years Ended December&nbsp;31, 2011, 2010, and 2009
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(dollars in thousands) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Income</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Dividends from subsidiary bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest and dividends on securities available for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">384</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Loss) on equity investments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,884</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,544</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Expenses</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest expense on borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">316</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other operating expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">434</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income before income tax (benefit) and equity in undistributed net income of subsidiary bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Income Tax (Benefit)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Income before equity in undistributed net income of subsidiary bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,431</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Equity in Undistributed Net Income of Subsidiary Bank</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">2,279</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">74 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EAGLE FINANCIAL SERVICES, INC. </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(Parent Company Only) </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>Statements of Cash Flows </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Years Ended December&nbsp;31, 2011, 2010, and
2009 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(dollars in thousands) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2011</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2010</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>2009</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows from Operating Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net Income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">4,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Adjustments to reconcile net income to net cash provided by operating activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Loss) on securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Stock-based compensation expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Discount accretion) premium amortization on securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Undistributed earnings of subsidiary bank</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2,279</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Changes in assets and liabilities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Increase) in other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:7.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Decrease) increase in other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash provided by operating activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,591</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">1,322</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows from Investing Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Proceeds from maturities of securities available for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash provided by investing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash Flows from Financing Activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash dividends paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,764</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,587</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Issuance of common stock, employee benefit plan</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Retirement of common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(271</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net cash (used in) financing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,946</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1,511</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:9.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Increase (decrease) in cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">352</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Cash</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Beginning</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">314</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ending</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">816</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">314</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">75 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_14"></A>Item&nbsp;9.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Changes in and Disagreements with Accountants on Accounting and Financial Disclosure </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">None. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_15"></A>Item&nbsp;9A.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Controls and Procedures </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Disclosure
Controls and Procedures </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Company, under the supervision and with the participation of management, including the
Company&#146;s Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of the design and operation of its disclosure controls and procedures as of the end of the period covered by this Annual Report on Form 10-K. Based
on that evaluation, the Chief Executive Officer and Chief Financial Officer have concluded that the Company&#146;s disclosure controls and procedures were effective as of December&nbsp;31, 2011 to ensure that information required to be disclosed by
the Company in reports that it files or submits under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported within the time periods specified in Securities and Exchange Commission rules and forms. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Internal Control over Financial Reporting </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Management is also responsible for establishing and maintaining adequate internal control over the Company&#146;s financial reporting (as defined in Rule 13a-15(f) promulgated under the Securities
Exchange Act of 1934, as amended). Pursuant to Section&nbsp;404 of the Sarbanes-Oxley Act of 2002, management has conducted an assessment of the design and effectiveness of its internal controls over financial reporting based on criteria established
in <I>Internal Control &#150; Integrated Framework</I> issued by the Committee of Sponsoring Organizations of the Treadway Commission (&#147;COSO&#148;). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Management maintains a comprehensive system of internal control to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external
purposes in accordance with generally accepted accounting principles. The system of internal control provides for appropriate division of responsibility and is documented by written policies and procedures that are communicated to employees. Those
policies and procedures: 1) pertain to the maintenance of records that in reasonable detail accurately and fairly reflect the transactions and disposition of the assets of the Company, 2) provide reasonable assurance that receipts and expenditures
of the Company are being made only in accordance with authorizations of management and directors, 3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the Company&#146;s assets
that could have a material effect on the financial statements. Management recognizes that there are inherent limitations over internal controls and financial reporting may not prevent or detect misstatements. Changes in conditions will also impact
the internal control effectiveness over time. Eagle Financial Services, Inc. and subsidiaries maintains an internal auditing program, under the supervision of the Audit Committee of the Board of Directors, which independently assesses the
effectiveness of the system of internal control and recommends possible improvements. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Under the supervision and with the
participation of the Company&#146;s management, including its Chief Executive Officer and Chief Financial Officer, the Company has evaluated the effectiveness of its internal control over financial reporting as of December&nbsp;31, 2011, using the
<I>Internal Control &#150; Integrated Framework</I> issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based upon this evaluation, the Chief Executive Officer and the Chief Financial Officer have concluded as of
December&nbsp;31, 2011, the Company&#146;s internal control over financial reporting is adequate and effective and meets the criteria of the <I>Internal Control &#150; Integrated Framework</I>. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Management&#146;s assessment did not determine any material weaknesses within the Company&#146;s internal control structure. There were
no changes in the Company&#146;s internal control over financial reporting during the Company&#146;s quarter ended December&nbsp;31, 2011 that have materially affected, or are reasonably likely to materially affect, the Company&#146;s internal
control over financial reporting. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">This annual report does not include an attestation report of the company&#146;s registered
public accounting firm, regarding internal control over financial reporting. Management&#146;s report was not subject to attestation by the Company&#146;s registered public accounting firm pursuant to rules of the Securities and Exchange Commission
that permit the Company to provide only management&#146;s report in this annual report. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_16"></A>Item&nbsp;9B.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Other Information </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">None.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">76 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_17"></A>PART III </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_18"></A>Item&nbsp;10.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Directors, Executive Officers and Corporate Governance </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The information required by Part III, Item&nbsp;10. is incorporated herein by reference to the Proxy Statement for the 2012 Annual Meeting of Shareholders to be held May&nbsp;16, 2012. </FONT></P>
<P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_19"></A>Item&nbsp;11.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Executive Compensation </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information required by Part III, Item&nbsp;11. is incorporated herein by reference to the Proxy Statement for the 2012 Annual Meeting
of Shareholders to be held May&nbsp;16, 2012. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_20"></A>Item&nbsp;12.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information required by Part III, Item&nbsp;12. is incorporated herein by reference to the Proxy Statement for the 2012 Annual Meeting
of Shareholders to be held May&nbsp;16, 2012. </FONT></P> <P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_21"></A>Item&nbsp;13.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Certain Relationships and Related Transactions, and Director Independence </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The information required by Part III, Item&nbsp;13. is incorporated herein by reference to the Proxy Statement for the 2012 Annual Meeting of Shareholders to be held May&nbsp;16, 2012. </FONT></P>
<P STYLE="font-size:18px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_22"></A>Item&nbsp;14.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Principal Accounting Fees and Services </B></FONT></TD></TR></TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The information required by Part III, Item&nbsp;14. is incorporated herein by reference to the Proxy Statement for the 2012 Annual Meeting of Shareholders to be held May&nbsp;16, 2012. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">77 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_23"></A>PART IV </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="9%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B><A NAME="tx319465_24"></A>Item&nbsp;15.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Exhibits, Financial Statement Schedules </B></FONT></TD></TR></TABLE>
<P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(a)(1) Financial Statements </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The financial statements are filed as part of this Annual Report on Form 10-K within Item&nbsp;8. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(a)(2) Financial Statement Schedules </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">All financial statement schedules are omitted since they are not required, or are not applicable, or the required information is given in the financial statements or notes thereto. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(a)(3) Exhibits </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
following exhibits, as applicable, are filed with this Form 10-K or incorporated by reference to previous filings. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1px solid #000000;width:23pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Exhibit<BR>No.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1px solid #000000;width:37pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Description</FONT></P></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;3.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Articles of Incorporation of the Company, restated in electronic format only as of March 1, 2006 (incorporated herein by reference to Exhibit 3.1 of the Company&#146;s Current
Report on Form 8-K dated March 1, 2006).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;3.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bylaws of the Company (incorporated herein by reference to Exhibit 3.2 of the Company&#146;s Registration Statement on Form S-4, Registration No. 33-43681).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Description of Executive Supplemental Income Plan (incorporated by reference to Exhibit 10.1 of the Company&#146;s Annual Report on Form 10-K for the year ended December 31,
1996).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of John R. Milleson (incorporated herein by reference to Exhibit 10.2 of the Company&#146;s Annual Report on Form 10-K for the year ended
December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of James W. McCarty, Jr. (incorporated herein by reference to Exhibit&nbsp;10.3 of the Company&#146;s Annual Report on Form 10-K for the
year ended December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.4</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of Elizabeth M. Pendleton (incorporated herein by reference to Exhibit&nbsp;10.4 of the Company&#146;s Annual Report on Form 10-K for the
year ended December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.5</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Eagle Financial Services, Inc. Stock Incentive Plan (incorporated herein by reference to Exhibit 4.3 of the Company&#146;s Registration Statement on Form S-8, Registration No.
333-118319).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.6</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of John E. Hudson (incorporated herein by reference to Exhibit 10.6 of the Company&#146;s Annual Report on Form 10-K for the year ended
December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.7</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of Kaley P. Crosen (incorporated herein by reference to Exhibit 10.7 of the Company&#146;s Annual Report on Form 10-K for the year ended
December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.8</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employment Agreement of Dale L. Fritts (incorporated herein by reference to Exhibit 10.8 of the Company&#146;s Annual Report on Form 10-K for the year ended December 31,
2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.9</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Offer Letter of Kathleen J. Chappell (incorporated herein by reference to Exhibit 10.8 of the Company&#146;s Annual Report on Form 10-K for the year ended December 31,
2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.10</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agreement, dated August 23, 2011, by and between Eagle Financial Services, Inc. and Robert C. Boyd (incorporated herein by reference to Exhibit 10.1 of the Company&#146;s Quarterly
Report on Form 10-Q for the quarter ended September&nbsp;30,&nbsp;2011).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.11</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Addendum to the Agreement, dated August 23, 2011, by and between Eagle Financial Services, Inc. and Robert C. Boyd (incorporated herein by reference to Exhibit 10.2 of the
Company&#146;s Quarterly Report on Form 10-Q for the quarter ended September 30, 2011).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;21.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Subsidiaries of the Company.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;23.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consent of Smith Elliott Kearns &amp; Company, LLC.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;31.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification by Chief Executive Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of
2002.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;31.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification by Chief Financial Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of
2002.</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">78 </FONT></P>



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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="93%"></TD></TR>


<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;32.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification by Chief Executive Officer and Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">101</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following materials from the Eagle Financial Service, Inc. Quarterly Report on Form 10-Q for the quarter ended December 31, 2011 formatted in Extensible Business Reporting
Language (XBRL) : (i) Consolidated Balance Sheets, (ii) Consolidated Statements of Income, (iii) Consolidated Statements of Changes in Shareholders&#148; Equity, (iv) Consolidated Statements of Cash Flows and (v) notes to Consolidated Financial
Statements.</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Management contracts and compensatory plans and arrangements. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(b)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Item&nbsp;15(a)(3) above. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>(c)</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">See Item&nbsp;15(a)(2) above. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">79 </FONT></P>



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<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>SIGNATURES </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Pursuant to the requirements of Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly
authorized. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="7%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>Eagle Financial Services, Inc.</B></FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/&nbsp;JOHN R. MILLESON</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">John R. Milleson</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">President and Chief Executive Officer</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following
persons on behalf of the registrant and in the capacities indicated on March&nbsp;23, 2012. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="9%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD WIDTH="46%"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:33pt"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Signature</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:15pt"><FONT STYLE="font-family:Times New Roman" SIZE="1"><B>Title</B></FONT></P></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ JOHN R. MILLESON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">John R. Milleson</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">President, Chief Executive Officer, and Director</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(principal executive officer)</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ KATHLEEN J. CHAPPELL</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Kathleen J. Chappell</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vice President and Chief Financial Officer</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(principal financial and accounting officer)</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ THOMAS T. GILPIN</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Thomas T. Gilpin</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chairman of the Board and Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ ROBERT W. SMALLEY, JR.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Robert W. Smalley, Jr.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vice Chairman of the Board and Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ THOMAS T. BYRD</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Thomas T. Byrd</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ MARY BRUCE GLAIZE</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Mary Bruce Glaize</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ DOUGLAS C. RINKER</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Douglas C. Rinker</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ JOHN D. STOKELY, JR.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">John D. Stokely, Jr.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ JAMES T. VICKERS</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">James T. Vickers</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ RANDALL G. VINSON</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Randall G. Vinson</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ JAMES R. WILKINS, JR</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">James R. Wilkins, Jr.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Director</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">80 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EXHIBIT INDEX </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1px solid #000000;width:23pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Exhibit<BR>No.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"> <P STYLE="border-bottom:1px solid #000000;width:37pt" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="1">Description</FONT></P></TD></TR>


<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;3.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Articles of Incorporation of the Company, restated in electronic format only as of March 1, 2006 (incorporated herein by reference to Exhibit 3.1 of the Company&#146;s Current
Report on Form 8-K dated March 1, 2006).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;3.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bylaws of the Company (incorporated herein by reference to Exhibit 3.2 of the Company&#146;s Registration Statement on Form S-4, Registration No. 33-43681).</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Description of Executive Supplemental Income Plan (incorporated by reference to Exhibit 10.1 of the Company&#146;s Annual Report on Form 10-K for the year ended December 31,
1996).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of John R. Milleson (incorporated herein by reference to Exhibit 10.2 of the Company&#146;s Annual Report on Form 10-K for the year ended
December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of James W. McCarty, Jr. (incorporated herein by reference to Exhibit 10.3 of the Company&#146;s Annual Report on Form 10-K for the year
ended December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.4</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of Elizabeth M. Pendleton (incorporated herein by reference to Exhibit 10.4 of the Company&#146;s Annual Report on Form 10-K for the year
ended December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.5</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Eagle Financial Services, Inc. Stock Incentive Plan (incorporated herein by reference to Exhibit 4.3 of the Company&#146;s Registration Statement on Form S-8, Registration No.
333-118319).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.6</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of John E. Hudson (incorporated herein by reference to Exhibit 10.6 of the Company&#146;s Annual Report on Form 10-K for the year ended
December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.7</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amended and Restated Employment Agreement of Kaley P. Crosen (incorporated herein by reference to Exhibit 10.7 of the Company&#146;s Annual Report on Form 10-K for the year ended
December 31, 2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.8</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Employment Agreement of Dale L. Fritts (incorporated herein by reference to Exhibit 10.8 of the Company&#146;s Annual Report on Form 10-K for the year ended December 31,
2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.9</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Offer Letter of Kathleen J. Chappell (incorporated herein by reference to Exhibit 10.9 of the Company&#146;s Annual Report on Form 10-K for the year ended December 31,
2008).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.10</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agreement, dated August 23, 2011, by and between Eagle Financial Services, Inc. and Robert C. Boyd (incorporated herein by reference to Exhibit 10.1 of the Company&#146;s Quarterly
Report on Form 10-Q for the quarter ended September 30, 2011).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;10.11</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Addendum to the Agreement, dated August 23, 2011, by and between Eagle Financial Services, Inc. and Robert C. Boyd (incorporated herein by reference to Exhibit 10.2 of the
Company&#146;s Quarterly Report on Form 10-Q for the quarter ended September 30, 2011).*</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;21.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Subsidiaries of the Company.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;23.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Consent of Smith Elliott Kearns &amp; Company, LLC.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;31.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification by Chief Executive Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of
2002.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;31.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification by Chief Financial Officer pursuant to Rule 13a-14(a) under the Securities Exchange Act of 1934, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of
2002.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;32.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Certification by Chief Executive Officer and Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002.</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">101</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following materials from the Eagle Financial Service, Inc. Quarterly Report on Form 10-Q for the quarter ended December 31, 2011 formatted in Extensible Business Reporting
Language (XBRL) : (i) Consolidated Balance Sheets, (ii) Consolidated Statements of Income, (iii) Consolidated Statements of Changes in Shareholders&#148; Equity, (iv) Consolidated Statements of Cash Flows and (v) notes to Consolidated Financial
Statements.</FONT></TD></TR>
</TABLE> <P STYLE="line-height:8px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000;width:10%">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Management contracts and compensatory plans and arrangements. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">81 </FONT></P>


</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-21.1
<SEQUENCE>2
<FILENAME>d319465dex211.htm
<DESCRIPTION>EXHIBIT 21.1
<TEXT>
<HTML><HEAD>
<TITLE>Exhibit 21.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EXHIBIT 21.1 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>SUBSIDIARIES OF THE COMPANY </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Bank of Clarke County is a wholly-owned
subsidiary of the Company. Bank of Clarke County is a Virginia banking corporation, headquartered in Berryville, Virginia within the County of Clarke. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Eagle Financial Statutory Trust II (the &#147;Trust&#148;) is a wholly-owned subsidiary of the Company. This Trust was formed under the laws of the State of Delaware for the purpose of issuing redeemable
capital securities. </FONT></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-23.1
<SEQUENCE>3
<FILENAME>d319465dex231.htm
<DESCRIPTION>EXHIBIT 23.1
<TEXT>
<HTML><HEAD>
<TITLE>Exhibit 23.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EXHIBIT 23.1 </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center">


<IMG SRC="g319465g05t79.jpg" ALT="LOGO">
 </P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We hereby consent to the incorporation by reference in the previously filed Registration Statements on Form S-8 (No. 333-118319) and Form
S-3 (No. 333-131877 and No.&nbsp;333-172264) pertaining to Eagle Financial Services, Inc. and our report dated March&nbsp;23, 2012 relating to the consolidated financial statements of Eagle Financial Services, Inc. included in this Form 10-K of
Eagle Financial Services, Inc. for the year ended December&nbsp;31, 2011. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="border-bottom:1px solid #000000;width:215pt"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ SMITH ELLIOTT KEARNS &amp; COMPANY, LLC</FONT></P></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">SMITH ELLIOTT KEARNS&nbsp;&amp; COMPANY, LLC</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chambersburg, Pennsylvania </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">March&nbsp;23, 2012 </FONT></P>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>4
<FILENAME>d319465dex311.htm
<DESCRIPTION>EXHIBIT 31.1
<TEXT>
<HTML><HEAD>
<TITLE>Exhibit 31.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EXHIBIT 31.1 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>CERTIFICATION BY CHIEF EXECUTIVE OFFICER PURSUANT TO RULE 13a-14(a) UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS ADOPTED PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">I, John R. Milleson, certify that: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">1. I have
reviewed this annual report on Form 10-K of Eagle Financial Services, Inc. for the year ended December&nbsp;31, 2011; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">2. Based on my
knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect
to the period covered by this report; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">3. Based on my knowledge, the financial statements, and other financial information included in this
report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">4. The registrant&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and
internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">a. designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant,
including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">b. designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the
reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">c. evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures,
as of the end of the period covered by this report based on such evaluation; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">d. disclosed in this report any change in
the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is
reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">5. The registrant&#146;s other
certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing
the equivalent functions): </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">a. all significant deficiencies and material weaknesses in the design or operation of internal
control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">b. any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s
internal control over financial reporting. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: March&nbsp;23, 2012 </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ JOHN R. MILLESON</FONT></TD></TR>


<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">John R. Milleson</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">President and Chief Executive Officer</FONT></P></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>d319465dex312.htm
<DESCRIPTION>EXHIBIT 31.2
<TEXT>
<HTML><HEAD>
<TITLE>Exhibit 31.2</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EXHIBIT 31.2 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>CERTIFICATION BY CHIEF EXECUTIVE OFFICER PURSUANT TO RULE 13a-14(a) UNDER THE SECURITIES EXCHANGE ACT OF 1934, AS ADOPTED PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002 </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">I, Kathleen J. Chappell, certify that: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">1. I
have reviewed this annual report on Form 10-K of Eagle Financial Services, Inc. for the year ended December&nbsp;31, 2011; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">2. Based on my
knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect
to the period covered by this report; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">3. Based on my knowledge, the financial statements, and other financial information included in this
report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">4. The registrant&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and
internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">a. designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant,
including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">b. designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the
reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">c. evaluated the effectiveness of the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures,
as of the end of the period covered by this report based on such evaluation; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">d. disclosed in this report any change in
the registrant&#146;s internal control over financial reporting that occurred during the registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is
reasonably likely to materially affect, the registrant&#146;s internal control over financial reporting; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">5. The registrant&#146;s other
certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing
the equivalent functions): </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">a. all significant deficiencies and material weaknesses in the design or operation of internal
control over financial reporting which are reasonably likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">b. any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s
internal control over financial reporting. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: March&nbsp;23, 2012 </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ KATHLEEN J. CHAPPELL</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Kathleen J. Chappell</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vice President and Chief Financial Officer</FONT></P></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>6
<FILENAME>d319465dex321.htm
<DESCRIPTION>EXHIBIT 32.1
<TEXT>
<HTML><HEAD>
<TITLE>Exhibit 32.1</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>EXHIBIT 32.1 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>STATEMENT OF CHIEF EXECUTIVE OFFICER AND CHIEF FINANCIAL OFFICER PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </B></FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with the annual report on Form 10-K of Eagle Financial Services, Inc. (the &#147;Company&#148;) for the period ended December&nbsp;31, 2011
as filed with the Securities and Exchange Commission (the &#147;Report&#148;), the undersigned Chief Executive Officer and Chief Financial Officer of the Company hereby certify, pursuant to 18 U.S.C. Section&nbsp;1350, as adopted pursuant to
Section&nbsp;906 of the Sarbanes-Oxley Act of 2002 that, to our knowledge: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1) the Report fully complies with the requirements of
Section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2) the information contained in the Report fairly presents, in all
material respects, the financial condition and results of operations of the Company. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: March&nbsp;23, 2012 </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ JOHN R. MILLESON</FONT></TD></TR>


<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">John R. Milleson</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">President and Chief Executive Officer</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ KATHLEEN J. CHAPPELL</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Kathleen J. Chappell</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vice President and Chief Financial Officer</FONT></TD></TR>
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<DOCUMENT>
<TYPE>EX-101.INS
<SEQUENCE>7
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  <efsi:AmortizationOfIntangibleAndOtherAssets contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">136000</efsi:AmortizationOfIntangibleAndOtherAssets>
  <efsi:AmortizationOfIntangibleAndOtherAssets contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">91000</efsi:AmortizationOfIntangibleAndOtherAssets>
  <efsi:AtmNetworkFees contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">104000</efsi:AtmNetworkFees>
  <efsi:AtmNetworkFees contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">442000</efsi:AtmNetworkFees>
  <efsi:AtmNetworkFees contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">546000</efsi:AtmNetworkFees>
  <efsi:BankFranchiseTax contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">305000</efsi:BankFranchiseTax>
  <efsi:BankFranchiseTax contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">317000</efsi:BankFranchiseTax>
  <efsi:BankFranchiseTax contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">376000</efsi:BankFranchiseTax>
  <efsi:ChangeInMarketValueOfInterestRateSwapNonCash contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">472000</efsi:ChangeInMarketValueOfInterestRateSwapNonCash>
  <efsi:ChangeInMarketValueOfInterestRateSwapNonCash contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">-413000</efsi:ChangeInMarketValueOfInterestRateSwapNonCash>
  <efsi:ChangeInMarketValueOfInterestRateSwapNonCash contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-411000</efsi:ChangeInMarketValueOfInterestRateSwapNonCash>
  <efsi:DividendInvestmentPlanDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 18. Dividend Investment Plan&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company has a Dividend Investment Plan, which allows participants' dividends to purchase additional shares of common stock at 95% of its fair market value on each dividend record date.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</efsi:DividendInvestmentPlanDisclosureTextBlock>
  <efsi:InterestOnFederalHomeLoanBankAdvances contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">2042000</efsi:InterestOnFederalHomeLoanBankAdvances>
  <efsi:InterestOnFederalHomeLoanBankAdvances contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">1844000</efsi:InterestOnFederalHomeLoanBankAdvances>
  <efsi:InterestOnFederalHomeLoanBankAdvances contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">1685000</efsi:InterestOnFederalHomeLoanBankAdvances>
  <efsi:IssuanceOfCommonStockEmployeeBenefitPlan contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">76000</efsi:IssuanceOfCommonStockEmployeeBenefitPlan>
  <efsi:IssuanceOfCommonStockEmployeeBenefitPlan contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">89000</efsi:IssuanceOfCommonStockEmployeeBenefitPlan>
  <efsi:OtherRealEstateOwnedExpenses contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">366000</efsi:OtherRealEstateOwnedExpenses>
  <efsi:OtherRealEstateOwnedExpenses contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">19000</efsi:OtherRealEstateOwnedExpenses>
  <efsi:OtherRealEstateOwnedExpenses contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">159000</efsi:OtherRealEstateOwnedExpenses>
  <efsi:OutsideServiceFees contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">313000</efsi:OutsideServiceFees>
  <efsi:OutsideServiceFees contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">423000</efsi:OutsideServiceFees>
  <efsi:OutsideServiceFees contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">742000</efsi:OutsideServiceFees>
  <efsi:PreferredCapitalNotesOfTrust contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">7217000</efsi:PreferredCapitalNotesOfTrust>
  <efsi:PreferredCapitalNotesOfTrust contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">7217000</efsi:PreferredCapitalNotesOfTrust>
  <efsi:SavingsAndInterestBearingDemandDeposits contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">184548000</efsi:SavingsAndInterestBearingDemandDeposits>
  <efsi:SavingsAndInterestBearingDemandDeposits contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">210158000</efsi:SavingsAndInterestBearingDemandDeposits>
  <efsi:TroubledDebtRestructuringsTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 5. Troubled Debt Restructurings&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;All loans deemed a troubled debt restructuring, or "TDR", are considered impaired, and are evaluated for collateral and cash-flow sufficiency. A loan is considered a TDR when the Company, for economic or legal reasons related to a borrower's financial difficulties, grants a concession to the borrower that the Company would not otherwise consider. All of the following factors are indicators that the Bank has granted a concession (one or multiple items may be present):&lt;/font&gt;&lt;/p&gt;

&lt;ul&gt;

&lt;li&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The borrower receives a reduction of the stated interest rate to a rate less than the institution is willing to accept at the time of the&lt;/font&gt; &lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;restructure for a new loan with comparable risk.&lt;/font&gt; &lt;/li&gt;

&lt;li&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The borrower receives an extension of the maturity date or dates at a stated interest rate lower than the current market interest rate for&lt;/font&gt; &lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;new debt with similar risk characteristics.&lt;/font&gt; &lt;/li&gt;

&lt;li&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The borrower receives a reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement.&lt;/font&gt; &lt;/li&gt;

&lt;li&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The borrower receives a deferral of required payments (principal and/or interest).&lt;/font&gt; &lt;/li&gt;

&lt;li&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The borrower receives a reduction of the accrued interest.&lt;/font&gt; &lt;/li&gt;&lt;/ul&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;There were twenty-five troubled debt restructured loans at December 31, 2011 amounting to $10,706,000. There were thirty-one troubled debt restructured loans at December 31, 2010 amounting to $8,469,000. There were no outstanding commitments to lend additional amounts to troubled debt restructured borrowers at December 31, 2011.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following table set forth information on the Company's troubled debt restructurings by class of financing receivable occurring during the year ended December 31, 2011.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="30%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="63%" colspan="7" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;For the Year Ended December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="63%" colspan="7" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Pre-Modification&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Post-Modification&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Number of&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recorded&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recorded&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Impairment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Contracts&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Investment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Investment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accrued&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="93%" colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Non-owner occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,092&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,092&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="93%" colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,530&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,530&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;713&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="93%" colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,657&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,389&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;393&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="93%" colspan="8"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,279&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,011&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,106&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;During the year ended December 31, 2011, the Company restructured eleven loans by granting concessions to borrowers experiencing financial difficulties. For each of the two commercial real estate loans above, two commercial real estate loans were combined into the one restructured commercial real estate loan. On one of the two loans, monthly payments were converted from principal and interest to interest only. The other loan remained on principal and interest payments, but the original loans were re-amortized. The residential construction loan was modified by granting a reduction in the required monthly payment. During the year ended December 31, 2011, eight single family residential loans were modified. Four of the loans were modified by granting interest rate reductions, another two had payment requirements modified from principal and interest to interest only, while the two remaining loans were modified by granting a reduction in the required monthly payment.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Loans by class of financing receivable modified as TDRs within the previous 12 months and for which there was a payment default during the year ended December 31, 2011 were:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="48%"&gt; &lt;/td&gt;
&lt;td width="23%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="25%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="48%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="50%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Year Ended December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="48%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="50%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="48%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="23%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Number of&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recorded&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="48%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="23%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Contracts&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Investment&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="98%" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="48%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="23%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="48%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Owner occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="23%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;613&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="48%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Non-owner occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="23%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;898&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="48%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="23%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="48%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="23%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;99&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="48%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential:&lt;/font&gt;&lt;/td&gt;
&lt;td width="23%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="48%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="23%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,596&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="98%" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="48%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="23%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,206&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;A loan is considered to be in payment default once it is thirty days contractually past due under the modified terms.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</efsi:TroubledDebtRestructuringsTextBlock>
  <efsi:TrustPreferredCapitalNotesTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 20. Trust Preferred Capital Notes&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In June 2007, Eagle Financial Statutory Trust II (the "Trust II"), a wholly-owned subsidiary of the Company, was formed for the purpose of issuing redeemable capital securities. On June 20, 2007, Trust II issued $7,000,000 of trust preferred securities and $217,000 in common equity. The principal asset of Trust II is $7,217,000 of the Company's junior subordinated debt securities with the same maturity and interest rate structures as the capital securities. The securities have a LIBOR-indexed floating rate of interest and the interest rate was 2.15% and 1.92% at December 31, 2011 and 2010, respectively. The securities have a mandatory redemption date of September 1, 2037, and are subject to varying call provisions beginning September 1, 2012.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The trust preferred securities are included in Tier 1 capital for regulatory capital adequacy purposes as long as their amount does not exceed 25% of Tier 1 capital, including total trust preferred securities. The portion of the trust preferred securities not considered as Tier 1 capital, if any, may be included in Tier 2 capital. At December 31, 2011, the total amount ($7,000,000) of trust preferred securities issued by Trust II are included in the Company's Tier 1 capital.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The obligations of the Company with respect to the issuance of the capital securities constitute a full and unconditional guarantee by the Company of the Trust's obligations with respect to the capital securities.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Subject to certain exceptions and limitations, the Company may elect from time to time to defer interest payments on the junior subordinated debt securities, which would result in a deferral of distribution payments on the related capital securities.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</efsi:TrustPreferredCapitalNotesTextBlock>
  <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">26000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
  <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">-26000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
  <us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-111000</us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">1210000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">2931000</us-gaap:AccumulatedOtherComprehensiveIncomeLossNetOfTax>
  <us-gaap:AdditionalPaidInCapital contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">9076000</us-gaap:AdditionalPaidInCapital>
  <us-gaap:AdditionalPaidInCapital contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">9568000</us-gaap:AdditionalPaidInCapital>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">166000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">166000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">116000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">116000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">166000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">166000</us-gaap:AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">-6000</us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">-6000</us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">-9000</us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">-9000</us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-3000</us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation>
  <us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">-3000</us-gaap:AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation>
  <us-gaap:AdvancesFromFederalHomeLoanBanks contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">52250000</us-gaap:AdvancesFromFederalHomeLoanBanks>
  <us-gaap:AdvancesFromFederalHomeLoanBanks contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">42250000</us-gaap:AdvancesFromFederalHomeLoanBanks>
  <us-gaap:Assets contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">558840000</us-gaap:Assets>
  <us-gaap:Assets contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">568022000</us-gaap:Assets>
  <us-gaap:AvailableForSaleSecurities contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">109794000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecurities contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">114134000</us-gaap:AvailableForSaleSecurities>
  <us-gaap:AvailableForSaleSecuritiesTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 2. Securities&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amortized costs and fair values of securities available for sale at December 31, 2011 and 2010 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table style="width: 654px; height: 583px;" border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="31%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 3px;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gross&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gross&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 3px;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gains&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Losses)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="64%" colspan="9" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="64%" colspan="9" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of U.S. government&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;corporations and agencies&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;17,655&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;878&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;18,533&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;33,420&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,143&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(17&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;34,546&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of states and&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;43,640&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,159&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(33&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;45,766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Corporate securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,421&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;707&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(85&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13,043&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,054&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;192&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,246&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;109,190&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,079&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(135&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;114,134&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="95%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="64%" colspan="9" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="64%" colspan="9" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of U.S. government&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;corporations and agencies&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;32,716&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;531&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(97&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;33,150&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,706&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;524&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(73&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16,157&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of states and&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;42,511&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;928&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(531&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;42,908&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Corporate securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14,464&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;994&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(57&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,401&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,054&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;124&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,178&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;107,451&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,101&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(758&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;109,794&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Carrying amounts of restricted securities at December 31, 2011 and 2010 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="54%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="21%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="23%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="22%" colspan="2" align="right"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="45%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="5"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Federal Reserve Bank Stock&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;344&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;344&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Federal Home Loan Bank Stock&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,036&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,498&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Community Bankers' Bank Stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;140&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,520&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,982&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The amortized cost and fair value of securities available for sale at December 31, 2011, by contractual maturity, are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without any penalties.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="54%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="19%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amortized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="19%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cost&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="19%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="41%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Due in one year or less&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;995&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="19%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,015&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Due after one year through five years&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;31,385&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="19%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;32,767&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Due after five years through ten years&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;36,037&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="19%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;38,020&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Due after ten years&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;38,719&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="19%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;40,086&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,054&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="19%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,246&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;109,190&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="19%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;114,134&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;During 2011, the Company sold $4,849,000 in available for sale securities for a net gain of $155,000. In 2010, the Company sold $2,853,000 in available for sale securities for a net gain of $98,000. During 2011, the Company also recorded an impairment charge of $87,500 on a corporate security. The remaining book value of this security at December 31, 2011 is $38,000.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The fair value and gross unrealized losses for securities available for sale, totaled by the length of time that individual securities have been in a continuous gross unrealized loss position, at December 31, 2011 and 2010 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="22%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="24%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Less than 12 months&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="24%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12 months or more&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gross&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gross&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gross&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Losses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="73%" colspan="12" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="73%" colspan="12" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of U.S. government&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;corporations and agencies&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,003&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;17&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,003&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of states and&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;282&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;294&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;31&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;576&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Corporate securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,913&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;85&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,913&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;85&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,198&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;104&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;294&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;31&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,492&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;135&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="95%" colspan="13"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="73%" colspan="12" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="73%" colspan="12" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of U.S. government&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;corporations and agencies&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,916&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;97&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,916&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;97&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,355&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;73&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,355&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;73&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of states and&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,464&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;481&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;320&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;50&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,784&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;531&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Corporate securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,047&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;57&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,047&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;57&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;23,782&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;708&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;320&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;24,102&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;758&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gross unrealized losses on available for sale securities included nine (9) and thirty-five (35) securities at December 31, 2011 and December 31, 2010, respectively. The Company evaluates securities for other-than-temporary impairment on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company's mortgage-backed securities are issued by U.S. government agencies, which guarantee payments to investors regardless of the status of the underlying mortgages. Consideration is given to the length of time and the amount of an unrealized loss, the financial condition of the issuer, and the intent and ability of the Company to retain its investment in the issuer long enough to allow for an anticipated recovery in fair value. The fair value of a security reflects its liquidity as compared to similar instruments, current market rates on similar instruments, and the creditworthiness of the issuer. Absent any change in the liquidity of a security or the creditworthiness of the issuer, prices will decline as market rates rise and vice-versa. The primary cause of the unrealized losses on obligations of U.S. government corporations and agencies, mortgage-backed securities, and obligations of states and political subdivisions at December 31, 2011 and December 31, 2010 was changes in market interest rates. Since these losses can be attributed to changes in market interest rates and not expected cash flows or an issuer's financial condition, the unrealized losses are deemed to be temporary. The Company's holdings of corporate securities and equity securities represent investments in larger financial institutions. The current economic crisis involving housing, liquidity and credit were the primary causes of the unrealized losses on these securities at December 31, 2011 and 2010. The Company monitors the financial condition of these issuers continuously and will record other-than-temporary impairment if the recovery of value is unlikely.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company's securities are exposed to various risks, such as interest rate, market, currency and credit risks. Due to the level of risk associated with certain securities and the level of uncertainty related to changes in the value of securities, it is at least reasonably possible that changes in risks in the near term would materially affect securities reported in the financial statements. In addition, recent economic uncertainty and market events have led to unprecedented volatility in currency, commodity, credit and equity markets culminating in failures of some banking and financial services firms and Government intervention to solidify others. These recent events underscore the level of investment risk associated with the current economic environment, and accordingly the level of risk in the Company's securities.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities having a carrying value of $20,117,000 at December 31, 2011 were pledged to secure public deposits, securities sold under agreements to repurchase, and for other purposes required by law.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:AvailableForSaleSecuritiesTextBlock>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2008" unitRef="Unit12" decimals="-3">18339000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2009" unitRef="Unit12" decimals="-3">7533000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">13970000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">21941000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">-10806000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">6437000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">7971000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndDueFromBanks contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">6884000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashAndDueFromBanks contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">7610000</us-gaap:CashAndDueFromBanks>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">13970000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:CashCashEquivalentsAndFederalFundsSold contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">21941000</us-gaap:CashCashEquivalentsAndFederalFundsSold>
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 13. Commitments and Contingencies&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In the normal course of business, the Company makes various commitments and incurs certain contingent liabilities, which are not reflected in the accompanying financial statements. These commitments and contingent liabilities include various guarantees, commitments to extend credit and standby letters of credit. The Company does not anticipate any material losses as a result of these commitments.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;During the normal course of business, various legal claims arise from time to time which, in the opinion of management, will have no material effect on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;As a member of the Federal Reserve System, the Bank is required to maintain certain average reserve balances. These reserve balances include usable vault cash and amounts on deposit with the Federal Reserve Bank. For the final weekly reporting period in the years ended December 31, 2011 and 2010, the amount of daily average required balances were approximately $630,000 and $824,000, respectively. In addition, the Bank was required to maintain a compensating balance on deposit with a correspondent bank in the amount of $250,000 at December 31, 2011 and 2010.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;See Note 19 with respect to financial instruments with off-balance-sheet risk.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
  <us-gaap:CommonStockDividendsPerShareDeclared contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit13" decimals="INF">0.68</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit13" decimals="INF">0.69</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockDividendsPerShareDeclared contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit13" decimals="INF">0.72</us-gaap:CommonStockDividendsPerShareDeclared>
  <us-gaap:CommonStockParOrStatedValuePerShare contextRef="As_Of_12_31_2010" unitRef="Unit13" decimals="INF">2.50</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockParOrStatedValuePerShare contextRef="As_Of_12_31_2011" unitRef="Unit13" decimals="INF">2.50</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockSharesAuthorized contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="INF">10000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesAuthorized contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="INF">10000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="INF">3249477</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="INF">3286992</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockValue contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">8124000</us-gaap:CommonStockValue>
  <us-gaap:CommonStockValue contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">8217000</us-gaap:CommonStockValue>
  <us-gaap:CompensationAndEmployeeBenefitPlansTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 12. Employee Benefits&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company has established an Employee Stock Ownership Plan (ESOP) to provide additional retirement benefits to substantially all employees. Contributions can be made to the Bank of Clarke County Employee Retirement Trust to be used to purchase the Company's common stock. There were no contributions in 2011, 2010, and 2009.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of salary on a pretax basis, subject to certain IRS limits. Prior to January 1, 2007, the Company matched 50 percent of employee contributions, on a maximum of six percent of salary deferred, with Company common stock or cash, as elected by each employee. The shares for this purpose are provided principally by the Company's employee stock ownership plan (ESOP), supplemented, as needed, by newly issued shares. Contributions under the plan amounted to $739,000 in 2011, $668,000 in 2010, and $675,000 in 2009. In conjunction with amending the pension plan, the 401(k) plan was amended, effective January 1, 2007, to include a non-elective safe-harbor employer contribution and an age-weighted employer contribution. Each December 31&lt;/font&gt;&lt;sup&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;st&lt;/font&gt;&lt;/sup&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;, qualifying employees will receive a non-elective safe-harbor contribution equal to three percent of their salary for that year. Also, each December 31&lt;/font&gt;&lt;sup&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;st&lt;/font&gt;&lt;/sup&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;, qualifying employees will receive an additional contribution based on their age and years of service. The percentage of salary for the age-weighted contribution increases on both factors, age and years of service, with a minimum of one percent of salary and a maximum of ten percent of salary.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company has established an Executive Supplemental Income Plan for certain key employees. Benefits are to be paid in monthly installments following retirement or death. The agreement provides that if employment is terminated for reasons other than death or disability prior to age 65, the amount of benefits could be reduced or forfeited. The executive supplemental income benefit expense, based on the present value of the retirement benefits, was $13,000 in 2011, $13,000 in 2010, and $14,000 in 2009. The plan is unfunded; however, life insurance has been acquired on the lives of these employees in amounts sufficient to discharge the plan's obligations.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CompensationAndEmployeeBenefitPlansTextBlock>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_ComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">6167000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_ComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">3723000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_ComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">6043000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: center;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 24. Condensed Financial Information &amp;#8211; Parent Company Only&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: center;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Balance Sheets December 31, 2011 and 2010 (dollars in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table style="width: 800px; height: 540px;" border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="73%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="73%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="73%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash held in subsidiary bank&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;313&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;164&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Due from banks&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;503&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;502&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,165&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,793&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Investment in subsidiaries, at cost, plus undistributed net income&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;59,157&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;54,251&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Investment in limited partnership&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;777&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;536&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total assets&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;65,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;61,246&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="5"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="73%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Liabilities and Shareholders' Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Trust preferred capital notes&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,217&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,217&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;608&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;200&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,825&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,417&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="5"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="73%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Shareholders' Equity&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Preferred stock&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Common stock&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8,217&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8,124&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Surplus&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9,568&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9,076&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Retained earnings&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;37,374&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;35,419&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accumulated other comprehensive income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,931&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total shareholders' equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;58,090&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;53,829&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="73%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total liabilities and shareholders' equity&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;65,915&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;61,246&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: center;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2011, 2010, and 2009 (dollars in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="47%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&amp;nbsp;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&amp;nbsp;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Dividends from subsidiary bank&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,600&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,500&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,200&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest and dividends on securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;313&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;368&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;384&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Loss) on equity investments&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other income (loss)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(108&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(40&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,805&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,884&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,544&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="102%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Expenses&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest expense on borrowings&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;317&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;316&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other operating expenses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;179&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;112&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;115&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total expenses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;496&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;428&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;434&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="102%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income before income tax (benefit) and equity&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 12px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;in undistributed net income of subsidiary bank&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,309&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,456&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,110&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="102%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income Tax (Benefit)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(122&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(41&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(52&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="102%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income before equity in undistributed&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 12px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;net income of subsidiary bank&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,431&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,497&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,162&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="102%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity in Undistributed Net Income of Subsidiary Bank&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,891&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,108&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,279&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,322&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,605&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,441&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: center;"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2011, 2010, and 2009 (dollars in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="47%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&amp;nbsp;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&amp;nbsp;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash Flows from Operating Activities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net Income&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,322&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,605&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,441&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Adjustments to reconcile net income to net&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;cash provided by operating activities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Loss) on securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;96&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Stock-based compensation expense&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;166&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;116&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;165&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Discount accretion) premium amortization on securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(2&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(1&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Undistributed earnings of subsidiary bank&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(2,891&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(2,108&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(2,279&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Changes in assets and liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Increase) in other assets&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(91&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(24&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(7&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 7px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Decrease) increase in other liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(4&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net cash provided by operating activities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,596&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,591&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,322&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="103%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash Flows from Investing Activities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Proceeds from maturities of securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;500&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;406&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net cash provided by investing activities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;500&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;406&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="103%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash Flows from Financing Activities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash dividends paid&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(1,764&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(1,645&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(1,587&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Issuance of common stock, employee benefit plan&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;89&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;76&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Retirement of common stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(271&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net cash (used in) financing activities&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(1,946&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(1,645&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(1,511&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 9px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Increase (decrease) in cash&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;150&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;352&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(189&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="103%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="47%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Beginning&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;666&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;314&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;503&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="47%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Ending&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;816&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;666&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;314&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
  <us-gaap:DebtDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 8. Borrowings&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company, through its subsidiary bank, borrows funds in the form of federal funds purchased, securities sold under agreements to repurchase and Federal Home Loan Bank advances.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Federal fund lines of credit are extended to the Bank by nonaffiliated banks with which a correspondent banking relationship exists. The line of credit amount is determined by the creditworthiness of the Bank and, in particular, its regulatory capital ratios, which are discussed in Note 16. Federal funds purchased generally mature each business day. The following table summarizes information related to federal funds purchased for the years ended December 31, 2011 and 2010:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="56%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="38%" colspan="6" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="34%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(dollars in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance at year-end&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average balance during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;85&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;503&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average interest rate during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.54&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.70&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Maximum month-end balance during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,945&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,680&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gross lines of credit at year-end&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;36,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;36,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unused lines of credit at year-end&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;36,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;36,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities sold under agreements to repurchase are borrowings in which the Bank obtains funds by selling securities and simultaneously agreeing to repurchase the securities for an agreed upon term at a given price which includes interest. The Company had $0 in funds from certain customers through retail repurchase agreements at December 31, 2011. Generally, the term for retail repurchase agreements is the next business day. The Company had $10,000,000 in funds from a larger financial institution through a wholesale repurchase agreement at December 31, 2011. The original term of this wholesale repurchase agreement, which was executed during 2008, was five years and the counterparty has the option to call the debt after three years. The amount of borrowings through securities sold under agreements to repurchase is restricted by the amount of securities which are designated for these transactions. The following table summarizes information related to securities sold under agreement to repurchase for the years ended December 31, 2011 and 2010:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="54%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="40%" colspan="6" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="36%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(dollars in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance at year-end&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;10,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14,395&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average balance during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,416&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14,971&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average interest rate during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2.93&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2.56&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Maximum month-end balance during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14,050&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,552&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities underlying the agreements at year-end:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Carrying value&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,150&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;19,198&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair value&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,918&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;19,667&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Bank had a $112,990,000 line of credit with the Federal Home Loan Bank of Atlanta which was secured by a blanket lien on the loan portfolio at December 31, 2011. The Company had $42,250,000 in advances outstanding at December 31, 2011 (see details below); therefore, the unused line of credit totaled $70,740,000. Advances bear interest at a fixed or floating rate depending on the terms and maturity of each advance and numerous renewal options are available to the Company.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company had $20,000,000 in short-term borrowings with the FHLB at December 31, 2011. The weighted average interest rate on outstanding short-term advances at December 31, 2011 was 3.55%.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company had $22,250,000 in long-term borrowings with the FHLB at December 31, 2011, which matures as follows: $2,250,000 in 2014 and $20,000,000 in 2015. The interest rates on the outstanding long-term advances at December 31, 2011 ranged from 3.02% to 4.07%. The weighted average interest rate on outstanding long-term advances at December 31, 2011 was 3.50%.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DebtDisclosureTextBlock>
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">-652000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">-362000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DeferredIncomeTaxExpenseBenefit contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-317000</us-gaap:DeferredIncomeTaxExpenseBenefit>
  <us-gaap:DepositLiabilitiesDisclosuresTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 7. Deposits&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The composition of deposits at December 31, 2011 and 2010 was as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="57%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="18%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="18%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="57%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="40%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="57%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="57%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="40%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="97%" colspan="5"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="57%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Noninterest bearing demand deposits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;107,237&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;98,256&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="97%" colspan="5"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="57%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Savings and interest bearing demand deposits:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" width="57%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOW accounts&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;78,927&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;72,413&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" width="57%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Money market accounts&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;83,393&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;69,766&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" width="57%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Regular savings accounts&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;47,838&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;42,369&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="57%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;210,158&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;184,548&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="57%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Time deposits:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" width="57%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balances of less than $100,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;76,956&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;85,269&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 6px;" width="57%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balances of $100,000 and more&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;54,114&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;61,223&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="57%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;131,070&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;146,492&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="57%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;448,465&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;429,296&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Time deposits with balances of less than $100,000 include $10,107,000 and $20,172,000 in brokered certificates of deposit at December 31, 2011 and 2010, respectively. Time deposits with balances of $100,000 and more include $6,523,000 and $11,726,000 in brokered certificates of deposit at December 31, 2011 and 2010, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The outstanding balance of time deposits at December 31, 2011 was due as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="69%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="25%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="69%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="69%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="69%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;97,180&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="69%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2013&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,970&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="69%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2014&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,364&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="69%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,701&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="69%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,855&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="69%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;131,070&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Deposit overdrafts reclassified as loans totaled $156,000 and $107,000 at December 31, 2011 and 2010, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DepositLiabilitiesDisclosuresTextBlock>
  <us-gaap:DepositsDomestic contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">429296000</us-gaap:DepositsDomestic>
  <us-gaap:DepositsDomestic contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">448465000</us-gaap:DepositsDomestic>
  <us-gaap:Depreciation contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">778000</us-gaap:Depreciation>
  <us-gaap:Depreciation contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">779000</us-gaap:Depreciation>
  <us-gaap:Depreciation contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">843000</us-gaap:Depreciation>
  <us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 14. Derivative Instruments and Hedging Activities&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest Rate Swaps&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company uses interest rate swaps to reduce interest rate risks and to manage interest expense. By entering into these agreements, the Company converts floating rate debt into fixed rate debt, or alternatively, converts fixed rate debt into floating rate debt. Interest differentials paid or received under the swap agreements are reflected as adjustments to interest expense. These interest rate swap agreements are derivative instruments that qualify for hedge accounting as discussed in Note 1. The notional amounts of the interest rate swaps are not exchanged and do not represent exposure to credit loss. In the event of default by a counterparty, the risk in these transactions is the cost of replacing the agreements at current market rates.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;On December 4, 2008, the Company entered into an interest rate swap agreement related to the outstanding trust preferred capital notes. The swap agreement became effective on December 1, 2008. The notional amount of the interest rate swap was $7,000,000 and has an expiration date of December 1, 2016. The estimated fair value was $(580,000) at December 31, 2011 and $(169,000) at December 31, 2010. Under the terms of the agreement, the Company pays interest quarterly at a fixed rate of 2.85% and receives interest quarterly at a variable rate of three month LIBOR. The variable rate resets on each interest payment date. The Company recognized interest expense of $180,000 in 2011 and $178,000 in 2010 related to this interest rate swap.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following table summarizes the fair value of derivative instruments at December 31, 2011 and 2010:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table style="width: 1022px; height: 234px;" border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 14px;" width="33%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="33%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance Sheet&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance Sheet&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Location&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Location&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Value&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="66%" colspan="6" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Derivatives designated&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;as hedging instruments&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;under GAAP&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="99%" colspan="7"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest rate swap contracts&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other Liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 5px;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;580&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other Liabilities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&amp;nbsp;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;169&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following tables present the effect of the derivative instrument on the Consolidated Balance Sheet at December 31, 2011 and 2010 and the Consolidated Statements of Income for December 31, 2011, 2010, and 2009:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table style="width: 1215px; height: 276px;" border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="12%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="83%" colspan="11" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Year Ended December 31,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt; &lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="41%" colspan="6" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amount of Loss&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="30%" colspan="3" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amount of Loss&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Location of Loss&lt;/font&gt;&lt;/td&gt;
&lt;td width="41%" colspan="6" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Reclassified from&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="30%" colspan="3" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recognized in OCI&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Reclassified from&lt;/font&gt;&lt;/td&gt;
&lt;td width="41%" colspan="6" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accumulated&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="14%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Derivatives in GAAP&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="30%" colspan="3" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;on Derivative&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accumulated OCI&lt;/font&gt;&lt;/td&gt;
&lt;td width="41%" colspan="6" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;OCI into Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="14%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash Flow Hedging&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="30%" colspan="3" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Effective Portion)&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;into Income&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="41%" colspan="6" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Ineffective Portion)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: #000000 1px solid;" width="14%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Relationships&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="15%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="16%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="11%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Ineffective Portion)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="13%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="14%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="14%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="31%" colspan="4" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="41%" colspan="6" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(dollars in thousands)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="97%" colspan="12"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="14%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest rate swap&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt; &lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt; &lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="14%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;contracts, net of tax&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&amp;nbsp;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(271)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&amp;nbsp;$&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&amp;nbsp;(273)&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="12%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;- &lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&amp;nbsp;$&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;- &lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock>
  <us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 11. Stock-Based Compensation&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The exercise price of stock options granted under this plan, both incentive and non-qualified, cannot be less than the fair market value of the common stock on the date that the option is granted. The maximum term for an option granted under this plan is ten years and options granted may be subject to a vesting schedule. All of the non-qualified stock options granted under the plan had a ten year term and were subject to a vesting period. The following table summarizes options outstanding at December 31, 2011, 2010, and 2009:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="21%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="33%" colspan="5" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="22%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="22%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Aggregate&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Intrinsic&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="9%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Outstanding, beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Granted&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Exercised&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Outstanding, end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="98%" colspan="12"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Exercisable, end of year&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted average fair value of&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;options granted during the year&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 4px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The aggregate intrinsic value in the table is equal to the amount that would have been received by the option holders had all options been exercised on December 31, 2011. It is derived from the amount by which the current market value of the underlying stock exceeds the exercise price of the option. This amount fluctuates in relation to the market value of the Company's stock.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following table summarizes options outstanding and exercisable at December 31, 2011:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;div&gt;

&lt;table style="width: 748px; height: 228px;" border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="46%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Options Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 4px;" width="31%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Options Exercisable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Range of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Remaining&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Number&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Contractual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Number&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Exercise&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Outstanding&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Life (in years)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Exercisable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Price&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.63&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1.75&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.63&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.63&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.55&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2.75&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.55&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.55&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.55 - 21.63&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2.25&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.59&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Restricted Stock provides grantees with rights to shares of common stock upon completion of a service period or achievement of Company performance measures. During the restriction period, all shares are considered outstanding and dividends are paid to the grantee. Outside directors are periodically granted restricted shares which vest over a period of less than six months. During 2011, executive officers were granted restricted shares which vest over a three year service period and restricted shares which vest based on meeting performance measures over a three year period. The following table presents the activity for Restricted Stock for the years ended December 31, 2011, 2010 and 2009:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="22%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 9px;" width="24%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 9px;" width="24%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 9px;" width="24%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Weighted&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Grant Date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Grant Date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Grant Date&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Shares&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Nonvested, beginning of year&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,772&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16.89&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13,335&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;20.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,492&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;26.16&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Granted&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,300&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16.76&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,900&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16.14&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,700&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16.06&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Vested&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(9,291&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;17.55&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(7,936&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;19.51&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(7,509&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21.12&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Forfeited&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(2,081&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;18.38&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(5,527&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;18.86&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(2,348&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;26.94&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Nonvested, end of year&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13,700&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16.11&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,772&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16.89&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13,335&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;20.00&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company recognizes compensation expense over the restricted period. Compensation expense was $166,000, $116,000, and $166,000 during 2011, 2010, and 2009, respectively. The total grant date fair value of Restricted Stock which vested was $163,000 and $155,000 for the years ended December 31, 2011 and 2010, respectively. Unrecognized compensation cost related to unvested Restricted Stock was $47,000 at December 31, 2011. This amount is expected to be recognized over a weighted average period of 1.1 years.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock>
  <us-gaap:DividendIncomeOperating contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">461000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendIncomeOperating contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">446000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendIncomeOperating contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">413000</us-gaap:DividendIncomeOperating>
  <us-gaap:DividendsCommonStock contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">2172000</us-gaap:DividendsCommonStock>
  <us-gaap:DividendsCommonStock contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">2172000</us-gaap:DividendsCommonStock>
  <us-gaap:DividendsCommonStock contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">2234000</us-gaap:DividendsCommonStock>
  <us-gaap:DividendsCommonStock contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">2234000</us-gaap:DividendsCommonStock>
  <us-gaap:DividendsCommonStock contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">2367000</us-gaap:DividendsCommonStock>
  <us-gaap:DividendsCommonStock contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">2367000</us-gaap:DividendsCommonStock>
  <us-gaap:EarningsPerShareBasic contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit13" decimals="2">1.09</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit13" decimals="2">1.11</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareBasic contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit13" decimals="2">1.31</us-gaap:EarningsPerShareBasic>
  <us-gaap:EarningsPerShareDiluted contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit13" decimals="2">1.08</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit13" decimals="2">1.11</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EarningsPerShareDiluted contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit13" decimals="2">1.31</us-gaap:EarningsPerShareDiluted>
  <us-gaap:EquipmentExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">665000</us-gaap:EquipmentExpense>
  <us-gaap:EquipmentExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">625000</us-gaap:EquipmentExpense>
  <us-gaap:EquipmentExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">676000</us-gaap:EquipmentExpense>
  <us-gaap:FairValueDisclosuresTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 22. Fair Value Measurements&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;GAAP requires the Company to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of certain assets and liabilities is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;"Fair Value Measurements" defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows:&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&amp;#149; Level 1 Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&amp;#149; Level 2 Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&amp;#149; Level 3 Inputs to the valuation methodology are unobservable and significant to the fair value measurement.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following sections provide a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy:&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities Available for Sale: Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest Rate Swap: The fair value is estimated by a third party using inputs that are observable or that can be corroborated by observable market data, and therefore, is classified within Level 2 of the valuation hierarchy.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following table presents balances of financial assets and liabilities measured at fair value on a recurring basis at December 31, 2011 and December 31, 2010:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="30%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="50%" colspan="6" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair Value Measurements at December 31, 2011 Using&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Quoted Prices&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;in Active&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Markets for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance as of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Identical&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Observable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unobservable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="66%" colspan="8" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of U.S. government&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;corporations and agencies&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;18,533&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;18,533&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;34,546&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;34,546&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of states and&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;45,766&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;45,766&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Corporate securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13,043&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13,043&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity securities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank preferred stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,246&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,246&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total assets at fair value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;114,134&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,246&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;111,888&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="96%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="96%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest rate swap&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;580&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;580&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total liabilities at fair value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;580&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;580&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="96%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="50%" colspan="6" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair Value Measurements at December 31, 2010 Using&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Quoted Prices&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;in Active&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Markets for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance as of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Identical&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Observable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unobservable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="66%" colspan="8" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of U.S. government&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;corporations and agencies&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;33,150&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;33,150&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Mortgage-backed securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16,157&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16,157&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Obligations of states and&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;political subdivisions&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;42,908&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;42,908&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Corporate securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,401&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,401&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity securities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank preferred stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,178&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,178&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total assets at fair value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;109,794&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,178&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;107,616&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="96%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="96%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest rate swap&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;169&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;169&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="30%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total liabilities at fair value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;169&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;169&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Certain financial assets are measured at fair value on a nonrecurring basis in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of lower of cost or market accounting or write downs of individual assets.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following describes the valuation techniques used by the Company to measure certain financial and nonfinancial assets recorded at fair value on a nonrecurring basis in the financial statements:&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Impaired Loans: Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected. The measurement of loss associated with impaired loans can be based on either the observable market price of the loan or the fair value of the collateral. Fair value is measured based on the value of the collateral securing the loans. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral is real estate. Level 2 impaired loan value is determined by utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Company using observable market data. If the collateral is a house or building in the process of construction or if an appraisal of the real estate property is over two years old, then the fair value is considered Level 3. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business' financial statements if not considered significant using observable market data. Level 3 impaired loan values are determined using inventory and accounts receivables collateral and are based on financial statement balances or aging reports. Impaired loans for which an allocation is made to the Allowance for Loan Losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other Real Estate Owned: Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the lesser of the fair value of the property, less selling costs or the loan balance outstanding at the date of foreclosure. Any write-downs based on the asset's fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount of a property exceeds its fair value. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically performed by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. We believe that the fair value component in its valuation follows the provisions of GAAP.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following table summarizes the Company's financial and nonfinancial assets that were measured at fair value on a nonrecurring basis during the period:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="27%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="49%" colspan="5" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Carrying value at December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Quoted Prices&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;in Active&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Markets for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance as of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Identical&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Observable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="17%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unobservable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="67%" colspan="8" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Financial Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,804&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 13px;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Nonfinancial Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,378&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 13px;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,378&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="49%" colspan="5" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Carrying value at December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Quoted Prices&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;in Active&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Markets for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance as of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Identical&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Observable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="17%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unobservable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="67%" colspan="8" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Financial Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,673&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 13px;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,673&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Nonfinancial Assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other real estate owned&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,783&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 13px;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,783&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The fair value of a financial instrument is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The following methods and assumptions were used to estimate the fair value of the Company's financial instruments:&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash and short-term investments/restricted investments/accrued interest: The fair value was equal to the carrying amount.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities: The fair value, excluding restricted securities, was based on quoted market prices. The fair value of restricted securities approximated the carrying amount based on the redemption provisions of the issuers.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Loans: The fair value of variable rate loans, which reprice frequently and with no significant change in credit risk, was equal to the carrying amount. The fair value of all other loans was determined using discounted cash flow analysis. The discount rate was equal to the current interest rate on similar products.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Deposits and borrowings: The fair value of demand deposits, savings accounts, and certain money market deposits was equal to the carrying amount. The fair value of all other deposits and borrowings was determined using discounted cash flow analysis. The discount rate was equal to the current interest rate on similar products.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Off-balance-sheet financial instruments: The fair value of commitments to extend credit was estimated using the fees currently charged to enter similar agreements, taking into account the remaining terms of the agreements and the credit worthiness of the counterparties. The fair value of fixed rate loan commitments also considered the difference between current interest rates and the committed interest rates. The fair value of standby letters of credit was estimated using the fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The carrying amount and fair value of the Company's financial instruments at December 31, 2011 and 2010 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="31%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="31%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Carrying&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 8px;" width="29%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="29%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Financial assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash and short-term investments&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21,941&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21,941&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13,970&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13,970&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;114,134&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;114,134&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;109,794&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;109,794&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Restricted Investments&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,520&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,520&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,982&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,982&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Loans, net&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;401,681&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;418,230&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;401,338&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;416,669&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accrued interest receivable&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,037&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,037&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,179&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,179&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Financial liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Deposits&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;448,465&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;449,990&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;429,296&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;430,627&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Federal funds purchased and securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 5px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;sold under agreements to repurchase&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;10,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;10,350&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14,395&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14,950&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Federal Home Loan Bank advances&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;42,250&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;44,833&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;52,250&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;54,853&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Trust preferred capital notes&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,217&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,217&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,217&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,217&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accrued interest payable&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;336&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;336&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;417&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;417&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest rate swap contract&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;580&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;580&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;169&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;169&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company assumes interest rate risk (the risk that general interest rate levels will change) during its normal operations. As a result, the fair value of the Company's financial instruments will change when interest rate levels change and that change may be either favorable or unfavorable to the Company. Management attempts to match maturities of assets and liabilities in order to minimize interest rate risk. However, borrowers with fixed rate obligations are less likely to prepay their principal balance in a rising rate environment and more likely to do so in a falling rate environment. Conversely, depositors who are receiving fixed rate interest payments are more likely to withdraw funds before maturity in a rising rate environment and less likely to do so in a falling rate environment. Management monitors rates and maturities of assets and liabilities and attempts to minimize interest rate risk by adjusting the terms of new loans and deposits and by investing in securities with terms that mitigate the Company's overall interest rate risk.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
  <us-gaap:FairValueOfAssetsAcquired contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">3546000</us-gaap:FairValueOfAssetsAcquired>
  <us-gaap:FairValueOfAssetsAcquired contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">1235000</us-gaap:FairValueOfAssetsAcquired>
  <us-gaap:FairValueOfAssetsAcquired contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">4045000</us-gaap:FairValueOfAssetsAcquired>
  <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">801000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
  <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">852000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
  <us-gaap:FederalDepositInsuranceCorporationPremiumExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">712000</us-gaap:FederalDepositInsuranceCorporationPremiumExpense>
  <us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">14395000</us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase>
  <us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">10000000</us-gaap:FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase>
  <us-gaap:FeesAndCommissionsDepositorAccounts contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">2053000</us-gaap:FeesAndCommissionsDepositorAccounts>
  <us-gaap:FeesAndCommissionsDepositorAccounts contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">1784000</us-gaap:FeesAndCommissionsDepositorAccounts>
  <us-gaap:FeesAndCommissionsDepositorAccounts contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">1586000</us-gaap:FeesAndCommissionsDepositorAccounts>
  <us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">818000</us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities>
  <us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">917000</us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities>
  <us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">907000</us-gaap:FeesAndCommissionsFiduciaryAndTrustActivities>
  <us-gaap:FeesAndCommissionsOther contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">2148000</us-gaap:FeesAndCommissionsOther>
  <us-gaap:FeesAndCommissionsOther contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">2993000</us-gaap:FeesAndCommissionsOther>
  <us-gaap:FeesAndCommissionsOther contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">3190000</us-gaap:FeesAndCommissionsOther>
  <us-gaap:FinancialInstrumentsDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 19. Financial Instruments with Off-Balance-Sheet Risk&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company, through its subsidiary bank, is a party to credit related financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, unfunded commitments under lines of credit, and commercial and standby letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company's exposure to credit loss is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;At December 31, 2011 and 2010, the following financial instruments were outstanding whose contract amounts represent credit risk:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="62%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="62%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="62%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commitments to extend credit&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9,448,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,111,000&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="62%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unfunded commitments under lines of credit&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;65,193,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;64,195,000&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="62%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial and standby letters of credit&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,684,000&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,953,000&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commitments to extend credit are agreements to lend to a customer as long as the terms offered are acceptable and certain other conditions are met. Commitments generally have fixed expiration dates or other termination clauses. Since these commitments may expire or terminate, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, with regards to these commitments, is based on management's credit evaluation of the customer.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unfunded commitments under lines of credit are contracts for possible future extensions of credit to existing customers. Unfunded commitments under lines of credit include, but are not limited to, home equity lines of credit, overdraft protection lines of credit, credit cards, and unsecured and secured commercial lines of credit. The terms and conditions of these commitments vary depending on the line of credit's purpose, collateral, and maturity. The amount disclosed above represents total unused lines of credit for which a contract with the Bank has been established.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial and standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. These letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in granting loans to customers. The Bank holds collateral supporting these commitments if it is deemed necessary. At December 31, 2011, none of the outstanding letters of credit were collateralized.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Bank has cash accounts in other commercial banks. The amount on deposit in these banks at December 31, 2011 exceeded the insurance limits of the Federal Deposit Insurance Corporation by $238,000.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinancialInstrumentsDisclosureTextBlock>
  <us-gaap:FinancingReceivablesTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 4. Allowance for Loan Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Changes in the allowance for loan losses for the years ended December 31, 2011, 2010 and 2009 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="40%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="13%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="40%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="40%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="40%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="40%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance, beginning&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,111&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,970&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,521&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="40%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Provision charged to operating expense&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,750&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,325&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,350&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="40%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recoveries added to the allowance&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;848&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;291&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;252&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="40%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Loan losses charged to the allowance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(2,966&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(5,475&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(3,153&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="40%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance, ending&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8,743&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,111&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,970&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Nonaccrual and past due loans by class at December 31, 2011 and 2010 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="72%" colspan="16" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;As of December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="72%" colspan="16" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;30 - 59&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;60 - 89&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;90 or More&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;90 or More&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Days&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Days&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Days&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Total Past&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Days Past Due&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Nonaccrual&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Past Due&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Past Due&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Past Due&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Due&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Current&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Total Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Still Accruing&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Loans&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="92%" colspan="17"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Commercial - Non Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Commercial &amp;amp; Industrial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;114&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;421&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;535&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;22,331&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;22,866&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Commercial Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Owner Occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;174&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;9&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;447&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;630&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;82,476&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;83,106&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;600&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Non-owner occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;873&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,102&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,975&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;32,962&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;34,937&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;234&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Construction and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Residential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;10,594&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;10,594&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;151&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;24,375&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;24,375&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Consumer:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Installment&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;114&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;13&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;132&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;13,053&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;13,185&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Residential:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Equity Lines&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;217&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;247&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;33,182&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;33,429&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;177&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,187&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;194&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;717&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,098&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;176,111&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;179,209&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;89&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,287&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Multifamily&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,517&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,517&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;All Other Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,206&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,206&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="92%" colspan="17"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,679&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,769&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,169&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;6,617&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;403,807&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;410,424&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;94&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,449&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="92%" colspan="17"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="92%" colspan="17"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="72%" colspan="16" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;As of December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="72%" colspan="16" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;30 - 59&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;60 - 89&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;90 or More&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;90 or More&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Days&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Days&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Days&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Total Past&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Past Due&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Nonaccrual&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Past Due&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Past Due&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Past Due&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Due&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Current&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Total Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Still Accruing&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Loans&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="92%" colspan="17"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Commercial - Non Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Commercial &amp;amp; Industrial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;91&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;129&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;227&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;24,222&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;24,449&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;267&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Commercial Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Owner Occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,100&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;938&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;177&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,215&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;81,176&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;83,391&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,071&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Non-owner occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;248&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;294&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;542&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;32,448&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;32,990&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Construction and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Residential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;63&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;70&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,122&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,255&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;9,042&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;10,297&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,808&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,222&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;911&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,133&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;23,462&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;25,595&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Consumer:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Installment&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;181&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;72&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;256&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;14,262&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;14,518&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Residential:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Equity Lines&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;781&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;60&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;841&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;41,848&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;42,689&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;190&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,814&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;490&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;502&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,806&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;162,176&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;164,982&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,041&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Multifamily&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,908&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,908&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;All Other Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;696&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;696&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,934&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,630&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="92%" colspan="17"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="20%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;5,500&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,455&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,016&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;10,971&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;397,478&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;408,449&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;10&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;8,377&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Allowance for loan losses by segment for the years ended December 31, 2011 and 2010 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="21%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="55%" colspan="23" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;A s&lt;/font&gt;&lt;/b&gt; &lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;o f a nd fo r the Ye a r Ende d D e c e m be r 3 1, 2 0 11&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="55%" colspan="23" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(in tho us a nds )&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co ns tructio n&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Res idential&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;All Other&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;a&lt;/font&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;nd Farmlan&lt;/font&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;d&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Real Es tate&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Real Es tate&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&amp;nbsp;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercia&lt;/font&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;l &lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co ns umer&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Lo ans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Unallo cated&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;To tal&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;A llo wa nc e fo r c re dit lo s s e s :&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Beginning Balance&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,386&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,457&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,231&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;819&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;182&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;36&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;7,111&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Charge-Offs&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(721&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(1,203&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(14&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(572&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(331&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(125&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(2,966&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Reco veries&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;298&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;292&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;195&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;56&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;848&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;P ro vis io n&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,948&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;992&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(162&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;538&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;85&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;156&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;193&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,750&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,618&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,544&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,057&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,077&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;131&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;123&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;193&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;8,743&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance: Individually&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;evaluated fo r impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,468&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,071&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;150&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;544&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,233&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance: co llectively&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;evaluated fo r impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,150&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,473&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;907&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;533&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;131&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;123&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;193&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,510&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;F ina nc ing re c e iv a ble s :&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;34,969&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;217,155&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;118,043&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;22,866&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;13,185&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,206&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 2px;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;410,424&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance individually&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;evaluated fo r impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,357&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;9,748&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;6,186&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;599&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;19,890&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" colspan="2" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance co llectively evaluated&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;fo r impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;31,612&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;207,407&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;111,857&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;22,267&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
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&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="55%" colspan="23" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;F o r the Ye a r Ende d D e c e m be r 3 1, 2 0 10&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="55%" colspan="23" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(in tho us a nds )&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
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&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;td style="border-bottom: #000000 3px double;" width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
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&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
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&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
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&lt;td style="border-bottom: #000000 3px double;" width="5%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,657&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance: co llectively&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;evaluated fo r impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;764&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,834&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;958&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;680&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;182&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;36&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 2px;" width="5%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,454&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;F ina nc ing re c e iv a ble s :&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;35,892&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;212,579&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;116,381&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;24,449&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;14,518&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,630&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 2px;" width="5%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;408,449&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance individually&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;evaluated fo r impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,549&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;11,172&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;5,141&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;20,181&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="76%" colspan="24"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" colspan="2" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Ending balance co llectively evaluated&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="21%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;fo r impairment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;32,343&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;201,407&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;111,240&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;24,130&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;14,518&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,630&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;388,268&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Impaired loans by class at December 31, 2011 and 2010 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="61%" colspan="10" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;As of December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="61%" colspan="10" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unpaid&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Principal&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recorded&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Related&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recorded&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Investment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Allowance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Investment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;With no related allowance:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial - Non Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial &amp;amp; Industrial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Owner Occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,521&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,529&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,575&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;132&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Non-owner occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,552&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,567&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,623&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;110&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;361&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;361&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;466&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity lines&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;177&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;177&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;190&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,237&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,242&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,840&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;97&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Multifamily&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8,853&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8,881&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9,696&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;360&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;With an allowance recorded:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial - Non Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial &amp;amp; Industrial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;594&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;600&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;544&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;602&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Owner Occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Non-owner occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,112&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,124&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;150&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,128&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;64&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,997&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,006&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,468&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,012&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;147&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity lines&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;402&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;404&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;325&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;404&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,932&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,940&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,746&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,029&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;236&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Multifamily&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,037&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,074&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,233&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,175&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;486&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;599&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;605&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;544&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;604&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;26&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial Real Estate&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,185&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,220&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;150&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,326&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;306&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and Farmland&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,358&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,367&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,468&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,478&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;168&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9,748&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9,763&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,071&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;10,463&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;346&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;19,890&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;19,955&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,233&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;20,871&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;846&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="33%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="11%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="61%" colspan="10" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;As of December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="61%" colspan="10" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unpaid&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Principal&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recorded&lt;/font&gt;&lt;/td&gt;
&lt;td width="13%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Related&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recorded&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Investment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="13%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Allowance&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Investment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recognized&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;With no related allowance:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial - Non Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial &amp;amp; Industrial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Owner Occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,143&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,151&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,164&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;131&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Non-owner occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,144&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,153&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,153&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;34&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,447&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,447&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,451&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;70&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity lines&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;685&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;689&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;690&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;33&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,432&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,450&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,736&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;90&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Multifamily&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,851&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,890&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 6px;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;12,194&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;358&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;With an allowance recorded:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial - Non Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial &amp;amp; Industrial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;139&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;695&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;29&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial Real Estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Owner Occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;306&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;306&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;122&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;406&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Non-owner occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;548&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;549&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;151&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;202&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;23&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,102&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,102&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;622&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,259&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;68&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity lines&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,055&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,093&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,623&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,653&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Multifamily&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8,330&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8,369&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,657&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,215&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;439&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="94%" colspan="11"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;319&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;139&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;695&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;29&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial Real Estate&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,141&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,159&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;273&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,925&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;188&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and Farmland&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,549&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,549&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;622&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,710&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;138&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,172&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;11,232&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,623&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9,079&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;442&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="33%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;20,181&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;20,259&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="11%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,657&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;18,409&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;797&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recorded investment is defined as the summation of the principal balance, accrued interest, and net deferred loan fees or costs.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Impaired loans at December 31, 2009 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="71%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="25%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="71%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="71%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="71%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="71%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Impaired loans for which,&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="71%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;an allowance has been provided&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,496&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="71%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;no allowance has been provided&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;147&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="71%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,643&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="98%" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="71%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Allowance provided for impaired&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="25%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="71%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;loans included in ALLL&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,253&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="98%" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="71%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average balance of impaired loans&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,893&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="98%" colspan="3"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="71%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest income recognized&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="25%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;309&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company uses a rating system for evaluating the risks associated with non-consumer loans. Consumer loans are not evaluated for risk unless the characteristics of the loan fall within classified categories. Descriptions of these ratings are as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="84%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td width="15%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Pass&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td width="84%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Pass loans exhibit acceptable operating trends, balance sheet trends, and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the borrower in an as agreed manner.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td width="15%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Watch&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td width="84%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Watch loans exhibit income volatility, negative operating trends, and a highly leveraged balance sheet. A higher level of supervision is required for these loans as the potential for a negative event could impact the borrower's ability to repay the loan.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td width="15%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Special mention&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td width="84%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Special mention loans exhibit a potential weakness, if left uncorrected, may negatively affect the borrower's ability to repay its debt obligation. The risk of default is not imminent and the borrower still demonstrates sufficient cash flow to support the loan.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td width="15%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Substandard&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td width="84%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Substandard loans exhibit well defined weaknesses and have a high probability of default. The borrowers exhibit adverse financial trends but still have the ability to service debt obligations.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td width="15%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Doubtful&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td width="84%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Doubtful loans exhibit all of the characteristics inherent in substandard loans but the weaknesses make collection or full liquidation highly questionable.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td colspan="2"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="top"&gt;&lt;td width="15%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Loss&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td width="84%"&gt;

&lt;p&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Loss loans are considered uncollectible and of such little value that its continuance as a bankable asset is not warranted.&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Credit quality information by class at December 31, 2011 and 2010 was as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table style="width: 725px; height: 450px;" border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="27%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="64%" colspan="14" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;A s o f D e c e m be r 3 1, 2 0 11&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="64%" colspan="14" align="center"&gt;

&lt;p&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(in tho us a&lt;/font&gt;&lt;/b&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;&amp;nbsp;nds )&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Special&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: #000000 1px solid;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;INTERNAL RISK RATING GRADES&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;P as s&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Watch&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="8%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Mentio n&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="9%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Subs tandard&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Do ubtful&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid; text-indent: 3px;" width="2%" align="center"&gt; &lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&amp;nbsp;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Lo s s&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt; &lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;To tal&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="91%" colspan="15"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercial - No n Real Es tate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 1px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercial &amp;amp;Indus trial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;16,960&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,668&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;991&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 3px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,215&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;32&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;- &lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;22,866&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercial Real Es tate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Owner Occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="7%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;65,651&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;6,613&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;5,759&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,641&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;442&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;83,106&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;No n-o wner o ccupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;21,573&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;6,688&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,330&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;5,113&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;233&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;34,937&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co ns tructio n and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Res idential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;9,839&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;755&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;10,594&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;15,990&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,657&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,595&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,029&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;104&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;24,375&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Res idential:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Equity Lines&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;31,862&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;227&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;355&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;985&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;33,429&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;150,520&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;5,939&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;10,249&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;11,134&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,367&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;179,209&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Multifamily&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,320&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,230&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;967&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,517&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;All o ther lo ans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,485&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;721&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt; &lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,206&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;To tal&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;318,200&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;25,022&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;23,722&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 3px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;28,117&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,178&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;- &lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;397,239&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="51%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="51%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;P erfo rming&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;No nperfo rming&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="51%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co ns umer Credit Expo s ure by&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 1px;" width="51%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;P ayment Activity&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;13,053&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;132&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;

&lt;table style="width: 727px; height: 454px;" border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="27%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="63%" colspan="14" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;A s o f D e c e m be r 3 1, 2 0 10&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="63%" colspan="14" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(in tho us a nds )&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Special&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt; &lt;/td&gt;
&lt;td width="7%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="border-bottom: #000000 1px solid;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;INTERNAL RISK RATING GRADES&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;P as s&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Watch&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Mentio n&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="9%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Subs tandard&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Do ubtful&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid; text-indent: 3px;" width="2%" align="center"&gt; &lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&amp;nbsp;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Lo s s&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="center"&gt; &lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;To tal&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="90%" colspan="15"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercial - No n Real Es tate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 1px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercial &amp;amp;Indus trial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;19,990&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;845&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,535&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 3px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,812&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;267&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;- &lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;24,449&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercial Real Es tate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Owner Occupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;65,983&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;5,686&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;8,823&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,899&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;83,391&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;No n-o wner o ccupied&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;25,569&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,322&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,113&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;986&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;32,990&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co ns tructio n and Farmland:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Res idential&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;7,875&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,556&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;9,431&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co mmercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;17,492&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;790&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,378&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,672&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,129&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;26,461&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Res idential:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Equity Lines&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;41,430&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;182&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;67&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;860&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;150&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;42,689&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Single family&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;147,445&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,674&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,229&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;9,132&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;2,502&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;164,982&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Multifamily&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;3,272&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;1,636&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt; &lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,908&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;All o ther lo ans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,581&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;49&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="2%" align="left"&gt; &lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;4,630&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 2px;" width="27%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;To tal&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;333,637&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;17,740&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;18,145&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double; text-indent: 3px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;18,361&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;6,048&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;- &lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;393,931&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="51%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="51%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;P erfo rming&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;No nperfo rming&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="51%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Co ns umer Credit Expo s ure by&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 1px;" width="51%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;P ayment Activity&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;14,262&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;256&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;One consumer loan was rated as watch for $17,000, one consumer loan was rated as special mention for $292,000, four consumer loans were rated as substandard for $19,000 and one consumer loan was rated as doubtful for $5,000 at December 31, 2011. One consumer loan was rated as watch for $23,000 and two consumer loans were rated as substandard for $10,000 at December 31, 2010.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FinancingReceivablesTextBlock>
  <us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">-83000</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
  <us-gaap:GainLossOnSaleOfPropertyPlantEquipment contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">76000</us-gaap:GainLossOnSaleOfPropertyPlantEquipment>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">-419000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">98000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainLossOnSaleOfSecuritiesNet contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">67000</us-gaap:GainLossOnSaleOfSecuritiesNet>
  <us-gaap:GainsLossesOnSalesOfAssets contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">-83000</us-gaap:GainsLossesOnSalesOfAssets>
  <us-gaap:GainsLossesOnSalesOfAssets contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">76000</us-gaap:GainsLossesOnSalesOfAssets>
  <us-gaap:GainsLossesOnSalesOfOtherRealEstate contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">-26000</us-gaap:GainsLossesOnSalesOfOtherRealEstate>
  <us-gaap:GainsLossesOnSalesOfOtherRealEstate contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">-338000</us-gaap:GainsLossesOnSalesOfOtherRealEstate>
  <us-gaap:GainsLossesOnSalesOfOtherRealEstate contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-361000</us-gaap:GainsLossesOnSalesOfOtherRealEstate>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">4456000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">4624000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">5693000</us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments>
  <us-gaap:IncomeTaxDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 9. Income Taxes&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company files income tax returns with the United States of America and the Commonwealth of Virginia. With few exceptions, the Company is no longer subject to federal, state, or local income tax examinations for years prior to 2008.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The net deferred tax asset at December 31, 2011 and 2010 consisted of the following components:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="61%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="61%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="36%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="61%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="61%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="36%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Deferred tax assets:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,973&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,418&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Deferred compensation&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;109&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;116&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accrued postretirement benefits&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;51&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;49&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accrued pension benefits&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;147&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Home equity origination costs&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;36&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;45&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other than temporary impairment&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;876&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;846&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest rate swap&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;197&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;57&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other real estate owned expenses&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;39&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;125&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;243&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="61%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,380&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,960&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Deferred tax liabilities:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Property and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;566&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;458&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="61%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities available for sale&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,681&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;796&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="61%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,247&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,254&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="61%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net deferred tax asset&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,133&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,706&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company has not recorded a valuation allowance for deferred tax assets because management believes that it is more likely than not that they will be ultimately realized.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income tax expense for the years ended December 31, 2011, 2010 and 2009 consisted of the following components:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="32%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Current tax expense&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,688&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,381&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,667&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Deferred tax (benefit)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(317&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(362&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(652&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="32%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,371&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,019&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following table reconciles income tax expense to the statutory federal corporate income tax amount, which was calculated by applying the federal corporate income tax rate to pre-tax income for the years ended December 31, 2011, 2010 and 2009.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="34%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Statutory federal corporate tax amount&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,936&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,572&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,515&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Tax-exempt interest income&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(563&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(544&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(505&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(2&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(9&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="34%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,371&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,019&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,015&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
  <us-gaap:IncomeTaxesPaid contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">1295000</us-gaap:IncomeTaxesPaid>
  <us-gaap:IncomeTaxesPaid contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">3550000</us-gaap:IncomeTaxesPaid>
  <us-gaap:IncomeTaxesPaid contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">1100000</us-gaap:IncomeTaxesPaid>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">1015000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">1019000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncomeTaxExpenseBenefit contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">1371000</us-gaap:IncomeTaxExpenseBenefit>
  <us-gaap:IncreaseDecreaseInDeposits contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">25098000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:IncreaseDecreaseInDeposits contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">21743000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:IncreaseDecreaseInDeposits contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">34592000</us-gaap:IncreaseDecreaseInDeposits>
  <us-gaap:IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">-677000</us-gaap:IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet>
  <us-gaap:IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">380000</us-gaap:IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet>
  <us-gaap:IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-4395000</us-gaap:IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet>
  <us-gaap:IncreaseDecreaseInLoansToFederalHomeLoanBanks contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">7750000</us-gaap:IncreaseDecreaseInLoansToFederalHomeLoanBanks>
  <us-gaap:IncreaseDecreaseInLoansToFederalHomeLoanBanks contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">10000000</us-gaap:IncreaseDecreaseInLoansToFederalHomeLoanBanks>
  <us-gaap:IncreaseDecreaseInLoansToFederalHomeLoanBanks contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">10000000</us-gaap:IncreaseDecreaseInLoansToFederalHomeLoanBanks>
  <us-gaap:IncreaseDecreaseInOperatingLiabilities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">128000</us-gaap:IncreaseDecreaseInOperatingLiabilities>
  <us-gaap:IncreaseDecreaseInOperatingLiabilities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">127000</us-gaap:IncreaseDecreaseInOperatingLiabilities>
  <us-gaap:IncreaseDecreaseInOperatingLiabilities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-13000</us-gaap:IncreaseDecreaseInOperatingLiabilities>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">2118000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">1676000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:IncreaseDecreaseInOtherOperatingAssets contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-2568000</us-gaap:IncreaseDecreaseInOtherOperatingAssets>
  <us-gaap:IncreaseDecreaseInTimeDeposits contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">-13517000</us-gaap:IncreaseDecreaseInTimeDeposits>
  <us-gaap:IncreaseDecreaseInTimeDeposits contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">9445000</us-gaap:IncreaseDecreaseInTimeDeposits>
  <us-gaap:IncreaseDecreaseInTimeDeposits contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-15422000</us-gaap:IncreaseDecreaseInTimeDeposits>
  <us-gaap:InformationTechnologyAndDataProcessing contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">317000</us-gaap:InformationTechnologyAndDataProcessing>
  <us-gaap:InformationTechnologyAndDataProcessing contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">419000</us-gaap:InformationTechnologyAndDataProcessing>
  <us-gaap:InformationTechnologyAndDataProcessing contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">507000</us-gaap:InformationTechnologyAndDataProcessing>
  <us-gaap:InterestAndDividendIncomeOperating contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">27453000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">27789000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndDividendIncomeOperating contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">27571000</us-gaap:InterestAndDividendIncomeOperating>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">23001000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">23529000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestAndFeeIncomeLoansAndLeases contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">23029000</us-gaap:InterestAndFeeIncomeLoansAndLeases>
  <us-gaap:InterestBearingDepositsInBanks contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">7086000</us-gaap:InterestBearingDepositsInBanks>
  <us-gaap:InterestBearingDepositsInBanks contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">14331000</us-gaap:InterestBearingDepositsInBanks>
  <us-gaap:InterestExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">6793000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">5530000</us-gaap:InterestExpense>
  <us-gaap:InterestExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">4805000</us-gaap:InterestExpense>
  <us-gaap:InterestExpenseDomesticDeposits contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">4040000</us-gaap:InterestExpenseDomesticDeposits>
  <us-gaap:InterestExpenseDomesticDeposits contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">2983000</us-gaap:InterestExpenseDomesticDeposits>
  <us-gaap:InterestExpenseDomesticDeposits contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">2439000</us-gaap:InterestExpenseDomesticDeposits>
  <us-gaap:InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">392000</us-gaap:InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase>
  <us-gaap:InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">387000</us-gaap:InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase>
  <us-gaap:InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">364000</us-gaap:InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase>
  <us-gaap:InterestExpenseTradingLiabilities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">135000</us-gaap:InterestExpenseTradingLiabilities>
  <us-gaap:InterestExpenseTradingLiabilities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">178000</us-gaap:InterestExpenseTradingLiabilities>
  <us-gaap:InterestExpenseTradingLiabilities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">180000</us-gaap:InterestExpenseTradingLiabilities>
  <us-gaap:InterestExpenseTrustPreferredSecurities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">184000</us-gaap:InterestExpenseTrustPreferredSecurities>
  <us-gaap:InterestExpenseTrustPreferredSecurities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">138000</us-gaap:InterestExpenseTrustPreferredSecurities>
  <us-gaap:InterestExpenseTrustPreferredSecurities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">137000</us-gaap:InterestExpenseTrustPreferredSecurities>
  <us-gaap:InterestIncomeDomesticDeposits contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">3000</us-gaap:InterestIncomeDomesticDeposits>
  <us-gaap:InterestIncomeDomesticDeposits contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">21000</us-gaap:InterestIncomeDomesticDeposits>
  <us-gaap:InterestIncomeDomesticDeposits contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">37000</us-gaap:InterestIncomeDomesticDeposits>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">16310000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">15934000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">19016000</us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss>
  <us-gaap:InterestIncomeExpenseNet contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">20660000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">22259000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeExpenseNet contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">22766000</us-gaap:InterestIncomeExpenseNet>
  <us-gaap:InterestIncomeFederalFundsSold contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">10000</us-gaap:InterestIncomeFederalFundsSold>
  <us-gaap:InterestIncomeFederalFundsSold contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">2000</us-gaap:InterestIncomeFederalFundsSold>
  <us-gaap:InterestIncomeSecuritiesTaxable contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">2784000</us-gaap:InterestIncomeSecuritiesTaxable>
  <us-gaap:InterestIncomeSecuritiesTaxable contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">2489000</us-gaap:InterestIncomeSecuritiesTaxable>
  <us-gaap:InterestIncomeSecuritiesTaxable contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">2695000</us-gaap:InterestIncomeSecuritiesTaxable>
  <us-gaap:InterestIncomeSecuritiesTaxExempt contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">1194000</us-gaap:InterestIncomeSecuritiesTaxExempt>
  <us-gaap:InterestIncomeSecuritiesTaxExempt contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">1302000</us-gaap:InterestIncomeSecuritiesTaxExempt>
  <us-gaap:InterestIncomeSecuritiesTaxExempt contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">1397000</us-gaap:InterestIncomeSecuritiesTaxExempt>
  <us-gaap:InterestPaid contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">6896000</us-gaap:InterestPaid>
  <us-gaap:InterestPaid contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">5618000</us-gaap:InterestPaid>
  <us-gaap:InterestPaid contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">4885000</us-gaap:InterestPaid>
  <us-gaap:LaborAndRelatedExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">9262000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">9263000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:LaborAndRelatedExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">10609000</us-gaap:LaborAndRelatedExpense>
  <us-gaap:Liabilities contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">505011000</us-gaap:Liabilities>
  <us-gaap:Liabilities contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">509932000</us-gaap:Liabilities>
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">558840000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LiabilitiesAndStockholdersEquity contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">568022000</us-gaap:LiabilitiesAndStockholdersEquity>
  <us-gaap:LoansAndLeasesReceivableAllowance contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">7111000</us-gaap:LoansAndLeasesReceivableAllowance>
  <us-gaap:LoansAndLeasesReceivableAllowance contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">8743000</us-gaap:LoansAndLeasesReceivableAllowance>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">401338000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansAndLeasesReceivableNetReportedAmount contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">401681000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
  <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 3. Loans&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The composition of loans at December 31, 2011 and 2010 was as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="56%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="18%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="18%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="40%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="40%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Mortgage loans on real estate:&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and land development&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;31,579&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;31,560&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Secured by farmland&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,390&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,332&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Secured by 1-4 family residential properties&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;212,638&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;207,671&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Multifamily&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,517&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,908&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 4px;" width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;118,043&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;116,381&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Loans to farmers&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,910&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,293&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial and industrial loans&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,866&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;24,449&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Consumer installment loans&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13,185&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14,518&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;All other loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,296&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,337&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;410,424&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;408,449&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Less: Allowance for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8,743&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,111&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="56%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;401,681&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;401,338&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
  <us-gaap:MarketingAndAdvertisingExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">409000</us-gaap:MarketingAndAdvertisingExpense>
  <us-gaap:MarketingAndAdvertisingExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">435000</us-gaap:MarketingAndAdvertisingExpense>
  <us-gaap:MarketingAndAdvertisingExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">500000</us-gaap:MarketingAndAdvertisingExpense>
  <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">1643000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
  <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">19923000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
  <us-gaap:NetCashProvidedByUsedInFinancingActivities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">2829000</us-gaap:NetCashProvidedByUsedInFinancingActivities>
  <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">-19125000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
  <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">-22885000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
  <us-gaap:NetCashProvidedByUsedInInvestingActivities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">-6597000</us-gaap:NetCashProvidedByUsedInInvestingActivities>
  <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">6676000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
  <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">9399000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
  <us-gaap:NetCashProvidedByUsedInOperatingActivities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">11739000</us-gaap:NetCashProvidedByUsedInOperatingActivities>
  <us-gaap:NetIncomeLoss contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">3441000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_ComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">3441000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">3441000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">3605000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_ComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">3605000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">3605000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">4322000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_ComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">4322000</us-gaap:NetIncomeLoss>
  <us-gaap:NetIncomeLoss contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">4322000</us-gaap:NetIncomeLoss>
  <us-gaap:NoninterestBearingDepositLiabilitiesDomestic contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">98256000</us-gaap:NoninterestBearingDepositLiabilitiesDomestic>
  <us-gaap:NoninterestBearingDepositLiabilitiesDomestic contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">107237000</us-gaap:NoninterestBearingDepositLiabilitiesDomestic>
  <us-gaap:NoninterestExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">16480000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">16809000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">18908000</us-gaap:NoninterestExpense>
  <us-gaap:NoninterestIncome contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">4626000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">5499000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncome contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">5585000</us-gaap:NoninterestIncome>
  <us-gaap:NoninterestIncomeOther contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">52000</us-gaap:NoninterestIncomeOther>
  <us-gaap:NoninterestIncomeOther contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">128000</us-gaap:NoninterestIncomeOther>
  <us-gaap:NoninterestIncomeOther contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">120000</us-gaap:NoninterestIncomeOther>
  <us-gaap:OccupancyNet contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">1069000</us-gaap:OccupancyNet>
  <us-gaap:OccupancyNet contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">1142000</us-gaap:OccupancyNet>
  <us-gaap:OccupancyNet contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">1155000</us-gaap:OccupancyNet>
  <us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 1. Nature of Banking Activities and Significant Accounting Policies&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Eagle Financial Services, Inc. and Subsidiaries (the "Company" or "Corporation") grant commercial, financial, agricultural, residential and consumer loans to customers in Virginia and the Eastern Panhandle of West Virginia. The loan portfolio is well diversified and generally is collateralized by assets of the customers. The loans are expected to be repaid from cash flows or proceeds from the sale of selected assets of the borrowers.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America and to accepted practices within the banking industry.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Principles of Consolidation&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company owns 100% of Bank of Clarke County (the "Bank") and Eagle Financial Statutory Trust II. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All significant intercompany accounts and transactions between the Company and the Bank have been eliminated. Eagle Financial Statutory Trust II is accounted for under the provisions of GAAP. The subordinated debt of Eagle Financial Statutory Trust II is reflected as a liability of the Company.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Trust Assets&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities and other property held by the Eagle Investment Group in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash and Cash Equivalents&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold, and interest bearing deposits. Generally, federal funds are purchased and sold for one-day periods.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Debt securities that management has the positive intent and ability to hold to maturity are classified as "held to maturity" and recorded at amortized cost. Securities not classified as held to maturity, including equity securities with readily determinable fair values, are classified as "available for sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Declines in the fair value of held to maturity and available for sale securities below their cost that are deemed to be "other than temporary" are reflected in earnings as realized losses. In estimating "other than temporary" impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery of fair value. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Bank is required to maintain an investment in the capital stock of certain correspondent banks. No readily available market exists for this stock and it has no quoted market value. The investment in these securities is recorded at cost and they are reported on the Company's consolidated balance sheet as restricted investments.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Loans&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company grants mortgage, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans throughout the Counties of Clarke and Frederick, Virginia and the City of Winchester, Virginia. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination and commitment fees and direct loan costs are being recognized as collected and incurred. The use of this method of recognition does not produce results that are materially different from results which would have been produced if such costs and fees were deferred and amortized as an adjustment of the loan yield over the life of the related loan.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal and interest is considered doubtful.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Risks by Loan Portfolio Segments&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;i&gt;&lt;font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;One-to-Four-Family Residential Real Estate Lending&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Residential mortgage loans generally are made on the basis of the borrower's ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank's Directors Loan Committee.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;i&gt;&lt;font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial Real Estate Lending&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;i&gt;&lt;font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Construction and Land Development Lending&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80% of the estimated appraised value of the finished home.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;i&gt;&lt;font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial and Industrial Lending&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Commercial business loans generally have more risk than residential mortgage loans, but have higher yields. To manage these risks, the Bank generally obtains appropriate collateral and personal guarantees from the borrower's principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower's ability to make repayment from cash flow from its business and are secured by business assets, such as commercial real estate, accounts receivable, equipment and inventory. As a result, the availability of funds for the repayment of commercial business loans is substantially dependent on the success of the business itself. Furthermore, the collateral for commercial business loans may depreciate over time and generally cannot be appraised with as much precision as residential real estate.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;i&gt;&lt;font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Consumer Lending&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Consumer loans generally entail greater risk than residential mortgage loans, particularly in the case of consumer loans which are unsecured or secured by rapidly depreciable assets such as automobiles. In such cases, any repossessed collateral on a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Allowance for Loan Losses&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The allowance consists of specific, general and unallocated components. The specific component relates to loans that are classified using an internal loan grading system. For loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical loss experience and other qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair market value less estimated liquidation costs of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment disclosures, unless such loans are the subject of a restructuring agreement.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank Premises and Equipment&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Land is carried at cost. Buildings and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives of the assets. Estimated useful lives range from 10 to 39 years for buildings and 3 to 10 years for furniture and equipment.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other Real Estate Owned&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the lesser of the fair value of the property, less selling costs or the loan balance outstanding at the date of foreclosure. Any write-downs based on the asset's fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount of a property exceeds its fair value. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically performed by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net expenses from foreclosed assets.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Core Deposit Intangible Assets&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Acquired intangible assets, such as the value of purchased core deposits, are amortized over the periods benefited, not exceeding fifteen years. The book value of the Company's core deposit intangible asset, resulting from a branch acquisition, was fully amortized at December 31, 2010.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Retirement Plans&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company had a non-contributory defined benefit pension plan that covers eligible employees. Effective December 31, 2006, the pension plan was amended so that no further benefits would accrue under the plan and no additional employees could become participants. The plan was terminated during 2011 after receiving final approval. Refer to Note 10 for a description of the termination of the Company's pension plan. The Company also sponsors a 401(k) savings plan under which eligible employees may defer a portion of their compensation on a pretax basis. The Company also provides a match to participants in this plan, as described more fully in Note 12.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Stock-Based Compensation Plan&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;During 2003, the Company's shareholders approved a stock incentive plan which allows key employees and directors to increase their personal financial interest in the Company. This plan permits the issuance of incentive stock options and non-qualified stock options and the award of stock appreciation rights, common stock, restricted stock, and phantom stock. The plan, as adopted, authorized the issuance of up to 300,000 shares of common stock. This plan is discussed more fully in Note 11.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income Taxes&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various assets and liabilities and gives current recognition to changes in tax rates and laws.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;When tax returns are filed, it is likely that some positions taken would be sustained upon examination by the applicable taxing authority, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, the Company believes it is "more likely than not" that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the "more likely than not" recognition threshold are measured as the largest amount of tax benefit that is more than fifty percent (50%) likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the balance sheet along with any associated interest and penalties that would be payable to the applicable taxing authority upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statement of income. The Company has no uncertain tax positions.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Advertising&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company follows the policy of charging the costs of advertising to expense as incurred.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Reclassifications&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Certain reclassifications have been made to the 2010 financial statements to conform to reporting for 2011.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Earnings Per Common Share&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Basic earnings per share represents income available to common shareholders divided by the weighted average number of common shares outstanding during the period. Diluted earnings per share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. The number of potential common shares is determined using the treasury method and relates to outstanding stock options and nonvested restricted stock grants.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following table shows the weighted average number of shares used in computing earnings per share and the effect on the weighted average number of shares of dilutive potential common stock. Potential dilutive common stock had no effect on income available to common shareholders.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="45%"&gt; &lt;/td&gt;
&lt;td width="18%"&gt; &lt;/td&gt;
&lt;td width="17%"&gt; &lt;/td&gt;
&lt;td width="17%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="17%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="17%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="97%" colspan="4"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average number of common shares outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,292,290&lt;/font&gt;&lt;/td&gt;
&lt;td width="17%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,243,292&lt;/font&gt;&lt;/td&gt;
&lt;td width="17%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,177,244&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Effect of dilutive common stock&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,708&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="17%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,576&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="17%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,290&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Average number of common shares outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td width="18%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="17%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="17%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;used to calculate diluted earnings per share&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="18%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,299,998&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="17%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,250,868&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="17%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,184,534&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Comprehensive Income&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, net of income taxes, are reported within the balance sheet as a separate component of shareholders' equity. These changes, along with net income, are components of comprehensive income and are reported in the statement of shareholders' equity. In addition to net income, the Company's other comprehensive income includes changes in the benefit obligations and plan assets for defined benefit and postretirement benefit plans, unrealized gains or losses on interest rate swaps, and unrealized gains or losses on available for sale securities.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The components of the change in unrealized gains (losses) on securities during 2011, 2010 and 2009 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table style="width: 759px; height: 171px;" border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="45%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gross unrealized gain&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,669&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;274&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,495&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Reclassification adjustment for realized (gain) loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(67&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(98&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;419&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net unrealized gain (loss) before taxes&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,602&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;176&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,914&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Tax effect&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(885&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(60&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(991&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="45%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,717&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;116&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,923&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The components of accumulated other comprehensive income, net of deferred taxes, during 2011, 2010, and 2009 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Change in&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table style="width: 728px; height: 240px;" border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="22%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unrealized&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Market&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Defined&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Post&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Gain&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Value&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Benefit&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Retirement&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Loss) on&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;of Interest&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Pension&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Benefit&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Securities&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Rate Swap&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Plan&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Plan&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="9%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance, December 31, 2009&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,429&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;162&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(559&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;60&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,902&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010 Change&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;116&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(273&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;272&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;118&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance, December 31, 2010&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,545&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(111&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(287&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;63&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,210&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011 Change&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,717&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(271&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;287&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(12&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,721&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="22%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance, December 31, 2011&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,262&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(382&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;51&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,931&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Derivative Financial Instruments&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company follows GAAP to account for derivative and hedging activities. Accordingly, a derivative is recognized in the balance sheet at its fair value. The fair value of a derivative is determined by quoted market prices and mathematical models using current and historical data. If certain hedging criteria are met, including testing for hedge effectiveness, special hedge accounting may be applied. The Company assesses each hedge, both at inception and on an ongoing basis, to determine whether the derivative used in a hedging transaction is effective in offsetting changes in the fair value or cash flows of the hedged item and whether the derivative is expected to remain effective during subsequent periods. The Company discontinues hedge accounting when (a) it determines that a derivative is no longer effective in offsetting changes in fair value or cash flows of a hedged item; (b) the derivative expires or is sold, terminated or exercised; (c) probability exists that the forecasted transaction will no longer occur or (d) management determines that designating the derivative as a hedging instrument is no longer appropriate. When hedge accounting is discontinued and a derivative remains outstanding, the Company recognizes the derivative in the balance sheet at its fair value and changes in the fair value are recognized in net income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;At inception, the Company designates a derivative as (a) a fair value hedge of recognized assets or liabilities or of unrecognized firm commitments (fair-value hedge) or (b) a hedge of forecasted transactions or variable cash flows to be received or paid in conjunction with recognized assets or liabilities (cash-flow hedge). For a derivative treated as a fair-value hedge, a change in fair value is recorded as an adjustment to the hedged item and recognized in net income. For a derivative treated as a cash flow hedge, the effective portion of a change in fair value is recorded as an adjustment to the hedged item and recognized as a component of accumulated other comprehensive income (loss) within shareholders' equity. For a derivative treated as a cash flow hedge, the ineffective portion of a change in fair value is recorded as an adjustment to the hedged item and recognized in net income. For more information on derivative financial instruments see Note 14 to the Consolidated Financial Statements.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Use of Estimates&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and the valuation of deferred tax assets.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Stock Repurchase Program&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;On September 19, 2011, the Corporation announced a Stock Repurchase Program to repurchase up to 150,000 shares of its common stock prior to June 30, 2012. During 2011, the Company purchased 15,663 shares of its Common Stock under its stock repurchase program at an average price of $17.28. The maximum number of shares that may yet be purchased under the plan as of December 31, 2011 are 134,337.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recent Accounting Pronouncements&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In January 2010, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2010-06, "Fair Value Measurements and Disclosures (Topic 820): Improving Disclosures about Fair Value Measurements." ASU 2010-06 amends Subtopic 820-10 to clarify existing disclosures, require new disclosures, and includes conforming amendments to guidance on employers' disclosures about postretirement benefit plan assets. ASU 2010-06 is effective for interim and annual periods beginning after December 15, 2009, except for disclosures about purchases, sales, issuances, and settlements in the roll forward of activity in Level 3 fair value measurements. Those disclosures are effective for fiscal years beginning after December 15, 2010 and for interim periods within those fiscal years. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In July 2010, the FASB issued ASU 2010-20, "Receivables (Topic 310) &amp;#8211; Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses." The new disclosure guidance significantly expands the existing requirements and will lead to greater transparency into a company's exposure to credit losses from lending arrangements. The extensive new disclosures of information as of the end of a reporting period became effective for both interim and annual reporting periods ending on or after December 15, 2010. Specific disclosures regarding activity that occurred before the issuance of the ASU, such as the allowance roll forward and modification disclosures, will be required for periods beginning on or after December 15, 2010. The Company has included the required disclosures in its consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In December 2010, the FASB issued ASU 2010-28, "Intangible &amp;#8211; Goodwill and Other (Topic 350) &amp;#8211; When to Perform Step 2 of the Goodwill Impairment Test for Reporting Units with Zero or Negative Carrying Amounts." The amendments in this ASU modify Step 1 of the goodwill impairment test for reporting units with zero or negative carrying amounts. For those reporting units, an entity is required to perform Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after December 15, 2010. Early adoption is not permitted. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In December 2010, the FASB issued ASU 2010-29, "Business Combinations (Topic 805) &amp;#8211; Disclosure of Supplementary Pro Forma Information for Business Combinations." The guidance requires pro forma disclosure for business combinations that occurred in the current reporting period as though the acquisition date for all business combinations that occurred during the year had been as of the beginning of the annual reporting period. If comparative financial statements are presented, the pro forma information should be reported as though the acquisition date for all business combinations that occurred during the current year had been as of the beginning of the comparable prior annual reporting period. ASU 2010-29 is effective for business combinations for which the acquisition date is on or after the beginning of the first annual reporting period beginning on or after December 15, 2010. Early adoption is permitted. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Securities Exchange Commission (SEC) issued Final Rule No. 33-9002, "Interactive Data to Improve Financial Reporting." The rule requires companies to submit financial statements in extensible business reporting language (XBRL) format with their SEC filings on a phased-in schedule. Large accelerated filers and foreign large accelerated filers using U.S. GAAP were required to provide interactive data reports starting with their first quarterly report for fiscal periods ending on or after June 15, 2010. All remaining filers are required to provide interactive data reports starting with their first quarterly report for fiscal periods ending on or after June 15, 2011. The Company complied with this Rule beginning with the filing of the June 30, 2011 Form 10-Q.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In March 2011, the SEC issued Staff Accounting Bulletin (SAB) 114. This SAB revises or rescinds portions of the interpretive guidance included in the codification of the Staff Accounting Bulletin Series. This update is intended to make the relevant interpretive guidance consistent with current authoritative accounting guidance issued as a part of the FASB's Codification. The principal changes involve revision or removal of accounting guidance references and other conforming changes to ensure consistency of referencing through the SAB Series. The effective date for SAB 114 was March 28, 2011. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In January 2011, the FASB issued ASU 2011-01, "Receivables (Topic 310) &amp;#8211; Deferral of the Effective Date of Disclosures about Troubled Debt Restructurings." The amendments in this ASU temporarily delayed the effective date of the disclosures about troubled debt restructurings in Update 2010-20 for public entities. The delay was intended to allow the Board time to complete its deliberations on what constitutes a troubled debt restructuring. The effective date of the new disclosures about troubled debt restructurings for public entities and the guidance for determining what constitutes a troubled debt restructuring was effective for interim and annual periods ending after June 15, 2011. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In April 2011, the FASB issued ASU 2011-02, "Receivables (Topic 310) &amp;#8211; A Creditor's Determination of Whether a Restructuring Is a Troubled Debt Restructuring." The amendments in this ASU clarify the guidance on a creditor's evaluation of whether it has granted a concession to a debtor. They also clarify the guidance on a creditor's evaluation of whether a debtor is experiencing financial difficulty. The amendments in this ASU are effective for the first interim or annual period beginning on or after June 15, 2011. Early adoption is permitted. Retrospective application to the beginning of the annual period of adoption for modifications occurring on or after the beginning of the annual adoption period is required. As a result of applying these amendments, an entity may identify receivables that are newly considered to be impaired. For purposes of measuring impairment of those receivables, an entity should apply the amendments prospectively for the first interim or annual period beginning on or after June 15, 2011. The Company has adopted ASU 2011-02 and included the required disclosures in its consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In April 2011, the FASB issued ASU 2011-03, "Transfers and Servicing (Topic 860) &amp;#8211; Reconsideration of Effective Control for Repurchase Agreements." The amendments in this ASU remove from the assessment of effective control (1) the criterion requiring the transferor to have the ability to repurchase or redeem the financial assets on substantially the agreed terms, even in the event of default by the transferee and (2) the collateral maintenance implementation guidance related to that criterion. The amendments in this ASU are effective for the first interim or annual period beginning on or after December 15, 2011. The guidance should be applied prospectively to transactions or modifications of existing transactions that occur on or after the effective date. Early adoption is not permitted. The adoption of the new guidance is not expected to have a material impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In May 2011, the FASB issued ASU 2011-04, "Fair Value Measurement (Topic 820) &amp;#8211; Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs." This ASU is the result of joint efforts by the FASB and IASB to develop a single, converged fair value framework on how (not when) to measure fair value and what disclosures to provide about fair value measurements. The ASU is largely consistent with existing fair value measurement principles in U.S. GAAP (Topic 820), with many of the amendments made to eliminate unnecessary wording differences between U.S. GAAP and IFRSs. The amendments are effective for interim and annual periods beginning after December 15, 2011 with prospective application. Early application is not permitted. The adoption of the new guidance is not expected to have a material impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In June 2011, the FASB issued ASU 2011-05, "Comprehensive Income (Topic 220) &amp;#8211; Presentation of Comprehensive Income." The objective of this ASU is to improve the comparability, consistency and transparency of financial reporting and to increase the prominence of items reported in other comprehensive income by eliminating the option to present components of other comprehensive income as part of the statement of changes in stockholders' equity. The amendments require that all non-owner changes in stockholders' equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. The single statement of comprehensive income should include the components of net income, a total for net income, the components of other comprehensive income, a total for other comprehensive income, and a total for comprehensive income. In the two-statement approach, the first statement should present total net income and its components followed consecutively by a second statement that should present all the components of other comprehensive income, a total for other comprehensive income, and a total for comprehensive income. The amendments do not change the items that must be reported in other comprehensive income, the option for an entity to present components of other comprehensive income either net of related tax effects or before related tax effects, or the calculation or reporting of earnings per share. The amendments in this ASU should be applied retrospectively. The amendments are effective for fiscal years and interim periods within those years beginning after December 15, 2011. Early adoption is permitted because compliance with the amendments is already permitted. The amendments do not require transition disclosures. The Company is currently assessing the impact that ASU 2011-05 will have on its consolidated financial statements&lt;/font&gt;&lt;i&gt;&lt;font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;.&lt;/font&gt;&lt;/i&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In August 2011, the SEC issued Final Rule No. 33-9250, "Technical Amendments to Commission Rules and Forms related to the FASB's Accounting Standards Codification." The SEC has adopted technical amendments to various rules and forms under the Securities Act of 1933, the Securities Exchange Act of 1934, and the Investment Company Act of 1940. These revisions were necessary to conform those rules and forms to the FASB Accounting Standards Codification. The technical amendments include revision of certain rules in Regulation S-X, certain items in Regulation S-K, and various rules and forms prescribed under the Securities Act, Exchange Act and Investment Company Act. The Release was effective as of August 12, 2011. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In September 2011, the FASB issued ASU 2011-08, "Intangible &amp;#8211; Goodwill and Other (Topic 350) &amp;#8211; Testing Goodwill for Impairment." The amendments in this ASU permit an entity to first assess qualitative factors related to goodwill to determine whether it is more likely than not that the fair value of the reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill test described in Topic 350. The more-likely-than-not threshold is defined as having a likelihood of more than 50 percent. Under the amendments in this ASU, an entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that its fair value is less than its carrying amount. The amendments in this ASU are effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. Early adoption is permitted, including for annual and interim goodwill impairment tests performed as of a date before September 15, 2011, if an entity's financial statements for the most recent annual or interim period have not yet been issued. The adoption of the new guidance is not expected to have a material impact on the Company's consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In December 2011, the FASB issued ASU 2011-11, "Balance Sheet (Topic 210) &amp;#8211; Disclosures about Offsetting Assets and Liabilities." This ASU requires entities to disclose both gross information and net information about both instruments and transactions eligible for offset in the balance sheet, and instruments and transactions subject to an agreement similar to a master netting arrangement. An entity is required to apply the amendments for annual reporting periods beginning on or after January 1, 2013, and interim periods within those annual periods. An entity should provide the disclosures required by those amendments retrospectively for all comparative periods presented. The Company is currently assessing the impact that ASU 2011-11 will have on its consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt; &lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;In December 2011, the FASB issued ASU 2011-12, "Comprehensive Income (Topic 220) &amp;#8211; Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05." The amendments are being made to allow the Board time to redeliberate whether to present on the face of the financial statements the effects of reclassifications out of accumulated other comprehensive income on the components of net income and other comprehensive income for all periods presented. While the Board is considering the operational concerns about the presentation requirements for reclassification adjustments and the needs of financial statement users for additional information about reclassification adjustments, entities should continue to report reclassifications out of accumulated other comprehensive income consistent with the presentation requirements in effect before Update 2011-05. All other requirements in Update 2011-05 are not affected by this Update, including the requirement to report comprehensive income either in a single continuous financial statement or in two separate but consecutive financial statements. Public entities should apply these requirements for fiscal years, and interim periods within those years, beginning after December 15, 2011. Nonpublic entities should begin applying these requirements for fiscal years ending after December 15, 2012, and interim and annual periods thereafter. The Company is currently assessing the impact that ASU 2011-12 will have on its consolidated financial statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock>
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  <us-gaap:PaymentsToAcquirePropertyPlantAndEquipment contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">964000</us-gaap:PaymentsToAcquirePropertyPlantAndEquipment>
  <us-gaap:PaymentsToAcquireRestrictedInvestments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">124000</us-gaap:PaymentsToAcquireRestrictedInvestments>
  <us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 10. Pension and Postretirement Benefit Plans&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Effective December 31, 2006, the pension plan was amended and frozen so that no further benefits will accrue under the plan and no additional employees may become participants. The pension plan was terminated effective September 30, 2011 and after receiving final approval from the Internal Revenue Service, distributions in the form of lump-sum cash payments to plan participants, rollovers and purchasing annuity contracts were completed on December 19, 2011. The Company recognized a loss of $589,000 on the distribution of the plan's assets. The loss is included in salaries and employee benefits expense on the consolidated statements of income. An additional $141,000 in expense was incurred during 2011 for the purchase of employee retirement annuities. The expense is included in outside service fees on the consolidated statements of income.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company provides certain health care and life insurance benefits for six retired employees who have met certain eligibility requirements. All other employees retiring after reaching age 65 and having at least 15 years of service with the Company will be allowed to stay on the Company's group life and health insurance policies, but will be required to pay premiums. The Company's share of the estimated costs that will be paid after retirement is generally being accrued by charges to expense over the employees' active service periods to the dates they are fully eligible for benefits, except that the Company's unfunded cost that existed at January 1, 1993 is being accrued primarily in a straight-line manner that will result in its full accrual by December 31, 2013.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following amounts that have not been recognized in the net periodic benefit cost of the postretirement benefit plan for the year ended December 31, 2011 and are included in other comprehensive income: unrecognized net actuarial gain of $50. The transition obligation included in other comprehensive income and expected to be recognized in the net periodic benefit cost of the postretirement benefit plan during 2012 is $0.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following tables provide a reconciliation of the changes in the benefit obligations and fair value of assets for 2011, 2010, and 2009 and a statement of the funded status at December 31, 2011, 2010 and 2009 for the pension and postretirement benefit plans of the Company. The Company uses a December 31st measurement date for its plans.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="44%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="6%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" colspan="8" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Pension Plan&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" colspan="9" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Postretirement Benefits Plan&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Change in Benefit Obligation:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Benefit obligation, beginning&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,684&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,801&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,859&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;144&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;154&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;254&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;189&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;191&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Actuarial loss (gain)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;143&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(246&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;95&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(11&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(105&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Benefits paid&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&amp;nbsp;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(4,069&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(60&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(344&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(6&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(6&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(9&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Settlement loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;141&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Benefit obligation, ending&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,684&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,801&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;150&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;144&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;154&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="86%" colspan="18"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Change in Plan Assets:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair value of plan assets, beginning&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,252&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,955&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,691&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Actual return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;87&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;78&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;498&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Employer contributions&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;730&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;279&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;110&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Benefits paid&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="6%" align="right"&gt;&amp;nbsp;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(4,069&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(60&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(344&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(6&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(6&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 1px solid;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(9&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair value of plan assets, ending&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,252&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,955&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="86%" colspan="18"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="86%" colspan="18"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" colspan="8" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Pension Plan&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" colspan="9" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Postretirement Benefits Plan&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Funded Status:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Funded status&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(432&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(846&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(150&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(144&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(154&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unrecognized net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unrecognized net transition obligation&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unrecognized prior service cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Prepaid (accrued) benefits&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(432&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(846&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(150&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(144&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(154&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="86%" colspan="18"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amounts Recognized in Consolidated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance Sheets:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Prepaid benefit cost&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Accrued benefit (liability)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(432&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(846&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(150&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(144&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(154&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(432&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(846&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(150&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(144&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(154&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="86%" colspan="18"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amounts Recognized in Accumulated&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other Comprehensive Income:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net actuarial loss (gain)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;434&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;846&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(76&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(93&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(92&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net transition obligation&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Deferred tax (benefit)/liability&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(147&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(288&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;26&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;30&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;31&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="6%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;287&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;558&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(50&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(63&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(59&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The accumulated benefit obligation for the pension plan was distributed during 2011, and as a result, there was no accumulated benefit obligation at December 31, 2011. The accumulated benefit obligation for the pension plan was $3,684,000, and $3,801,000 at December 31, 2010, and 2009, respectively. Due to the amendment of the pension plan, the accumulated benefit obligation and projected benefit obligation are equivalent at December 31, 2010 and 2009.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following tables provide the components of net periodic benefit cost of the pension plan and postretirement benefit plan for the years ended December 31, 2011, 2010, and 2009:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="44%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="1%"&gt; &lt;/td&gt;
&lt;td width="5%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" colspan="8" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Pension Plan&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" colspan="8" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;Postretirement Benefits Plan&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2009&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="12%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="44%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Components of Net Periodic Benefit Cost:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Service cost&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Interest cost&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;101&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;189&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;191&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Expected return on plan assets&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&amp;nbsp;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(83&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/font&gt;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(146&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(132&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amortization of prior service costs&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amortization of transition obligation&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Recognized net loss due to settlement&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;141&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amortization of net actuarial loss&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;572&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;235&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;365&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(11&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(9&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="44%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net periodic benefit cost&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;731&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;278&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;424&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(5&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="1%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="5%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;17&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The total recognized net periodic benefit cost and other comprehensive income for the pension plan was $(303,000), $(5,000), and $4,000 during 2011, 2010, and 2009, respectively. The total recognized net periodic benefit cost and other comprehensive income for the postretirement benefits plan was $(6,000), $2,000, and $(54,000) during 2011, 2010, and 2009, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The benefit obligation for the pension plan was calculated using the following assumptions; weighted average discount rate of 6.10% for 2010 and 5.00% 2009. Due to the amendment of the pension plan, no rate of compensation increase was assumed for or 2010 and 2009.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The net periodic benefit cost for the pension plan was calculated using the following assumptions; weighted average discount rate of 6.10% for 2011 and 5.00% for 2010 and 2009, expected long-term return on plan assets of 5.00% for 2011, 2010, and 2009. Due to the amendment of the pension plan, no rate of compensation increase was assumed for 2011, 2010, and 2009.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The benefit obligation for the postretirement benefit plan was calculated using a weighted average discount rate of 4.25% for 2011, 5.00% for 2010, and 6.00% for 2009. For measurement purposes, a 10.00% annual rate of increase in the per capita cost of covered health care benefits was assumed for 2012 and 2013, 8.00% for 2014 and 2015, and 6.00% for 2016 and thereafter. If these rates were increased by 1.00% in each year, the benefit obligation at December 31, 2011 would have increased by $6,000 and the net periodic benefit cost for 2011 would have increased by less than $500. If these rates were decreased by 1.00% in each year, the benefit obligation at December 31, 2011 would have decreased by $6,000 and the net periodic benefit cost for 2011 would have decreased by less than $500.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following table provides the pension plan's asset allocation as of December 31, 2010:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="78%"&gt; &lt;/td&gt;
&lt;td width="16%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="78%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="78%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Equity securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="78%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Debt securities&lt;/font&gt;&lt;/td&gt;
&lt;td width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;57&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="78%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;43&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="78%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="16%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;100&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;All plan assets were distributed to pension plan beneficiaries during 2011 and no future payments are expected.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Estimated future benefit payments at December 31, 2011, which reflect expected future service, as appropriate, were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="75%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="75%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Postretirement&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="75%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Benefits&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="75%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="75%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="75%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2013&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="75%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2014&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="75%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="75%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="75%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2017 - 2020&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;60&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;&amp;nbsp;&lt;/div&gt;&lt;br /&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The pension financial instruments measured and reported at fair value are classified and disclosed in one of the following categories:&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&amp;#149; Level 1 Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&amp;#149; Level 2 Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;&amp;#149; Level 3 Inputs to the valuation methodology are unobservable and significant to the fair value measurement.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The following table presents balances of pension assets measured at fair value on December 31, 2010:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="26%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="14%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="15%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="51%" colspan="6" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Fair Value Measurements at December 31, 2010 Using&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Quoted Prices&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;in Active&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Markets for&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Significant&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Balance as of&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Identical&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Observable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Unobservable&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Assets&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Inputs&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 1)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 2)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(Level 3)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="text-indent: 7px;" width="32%" colspan="3" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="93%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Cash Equivalents&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,406&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,406&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;AA corporate bonds&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;131&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;131&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Mutual Funds &lt;/font&gt;&lt;sup&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(a)&lt;/font&gt;&lt;/sup&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,714&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,714&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="93%" colspan="9"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="26%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total assets at fair value&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,252&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,121&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;131&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;-&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td valign="top" width="2%" nowrap="nowrap"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(a)&lt;/font&gt;&amp;nbsp; &amp;nbsp; &amp;nbsp; &lt;/td&gt;
&lt;td width="98%"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;100% o f mutual funds are inves ted in fixed inco me co rpo rate bo nd s ecurities .&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top" width="2%" nowrap="nowrap"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;(b)&lt;/font&gt;&amp;nbsp; &amp;nbsp; &amp;nbsp; &lt;/td&gt;
&lt;td width="98%"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"&gt;70% o f mutual funds inves t in co mmo n s to ck o f large-cap co mpanies . 30% o f mutual funds inves t in co mmo n s to ck o f mid-cap co mpanies . 10% o f mutual funds inves t in co mmo n s to ck o f s mall-cap co mpanies .&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PensionAndOtherPostretirementBenefitsDisclosureTextBlock>
  <us-gaap:PreferredStockParOrStatedValuePerShare contextRef="As_Of_12_31_2010" unitRef="Unit13" decimals="INF">10</us-gaap:PreferredStockParOrStatedValuePerShare>
  <us-gaap:PreferredStockParOrStatedValuePerShare contextRef="As_Of_12_31_2011" unitRef="Unit13" decimals="INF">10</us-gaap:PreferredStockParOrStatedValuePerShare>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="INF">500000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesAuthorized contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="INF">500000</us-gaap:PreferredStockSharesAuthorized>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2010" unitRef="Unit1" decimals="INF">0</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockSharesIssued contextRef="As_Of_12_31_2011" unitRef="Unit1" decimals="INF">0</us-gaap:PreferredStockSharesIssued>
  <us-gaap:PreferredStockValue xsi:nil="true" contextRef="As_Of_12_31_2010" unitRef="Unit12" />
  <us-gaap:PreferredStockValue xsi:nil="true" contextRef="As_Of_12_31_2011" unitRef="Unit12" />
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">27530000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">34592000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">40166000</us-gaap:ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">1959000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">2853000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">4849000</us-gaap:ProceedsFromSaleOfAvailableForSaleSecurities>
  <us-gaap:ProceedsFromSaleOfOtherRealEstate contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">1281000</us-gaap:ProceedsFromSaleOfOtherRealEstate>
  <us-gaap:ProceedsFromSaleOfOtherRealEstate contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">2035000</us-gaap:ProceedsFromSaleOfOtherRealEstate>
  <us-gaap:ProceedsFromSaleOfOtherRealEstate contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">3167000</us-gaap:ProceedsFromSaleOfOtherRealEstate>
  <us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">93000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
  <us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">43000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
  <us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">661000</us-gaap:ProceedsFromSaleOfPropertyPlantAndEquipment>
  <us-gaap:ProceedsFromSaleOfRestrictedInvestments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">174000</us-gaap:ProceedsFromSaleOfRestrictedInvestments>
  <us-gaap:ProceedsFromSaleOfRestrictedInvestments contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">417000</us-gaap:ProceedsFromSaleOfRestrictedInvestments>
  <us-gaap:ProceedsFromSaleOfRestrictedInvestments contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">461000</us-gaap:ProceedsFromSaleOfRestrictedInvestments>
  <us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 6. Bank Premises and Equipment, Net&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The major classes of bank premises and equipment and the total accumulated depreciation at December 31, 2011 and 2010 were as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="54%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="21%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="45%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31,&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="45%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Land&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,727&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,004&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Buildings and improvements&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14,914&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14,799&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Furniture and equipment&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,063&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,749&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;25,704&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;25,552&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Less accumulated depreciation&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;10,504&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9,840&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="54%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank premises and equipment, net&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,200&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,712&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Depreciation expense on buildings and improvements was $443,000, $404,000, and $388,000 for the years ended December 31, 2011, 2010, and 2009, respectively. Depreciation expense on furniture and equipment was $400,000, $375,000, and $390,000 for the years ended December 31, 2011, 2010, and 2009, respectively.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Bank leases certain facilities under operating leases, which expire at various dates through 2032. These leases require payment of certain operating expenses and contain renewal options. The total minimum rental commitment at December 31, 2011 under these leases was due as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="76%"&gt; &lt;/td&gt;
&lt;td width="3%"&gt; &lt;/td&gt;
&lt;td width="20%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="76%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="23%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2011&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="76%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="23%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="76%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;104&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="76%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2013&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;82&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="76%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2014&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="76%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2015&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="76%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2016&lt;/font&gt;&lt;/td&gt;
&lt;td width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;50&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="76%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Thereafter&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;804&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="76%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="3%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="20%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,140&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;

&lt;p style="margin: 0px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The total building and equipment rental expense was $147,000, $176,000, and $174,000 in 2011, 2010, and 2009, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:PropertyPlantAndEquipmentDisclosureTextBlock>
  <us-gaap:PropertyPlantAndEquipmentNet contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">15712000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:PropertyPlantAndEquipmentNet contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">15200000</us-gaap:PropertyPlantAndEquipmentNet>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">4350000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">6325000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:ProvisionForLoanAndLeaseLosses contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">3750000</us-gaap:ProvisionForLoanAndLeaseLosses>
  <us-gaap:QuarterlyFinancialInformationTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 21. Quarterly Condensed Statements of Income - Unaudited&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company's quarterly net income, net income per common share and dividends per common share during 2011 and 2010 are summarized as follows:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="39%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="10%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="50%" colspan="9" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2011 Quarter Ended&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;March 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;June 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;September 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="22%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands, except per share amounts)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total interest and dividend income&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,839&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 3px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,864&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,920&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,948&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net interest income after provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,672&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,706&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,682&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,956&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,405&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,542&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,394&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,244&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Noninterest expenses&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,504&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,444&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,567&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5,393&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,573&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,804&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,509&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;807&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,167&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,323&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,139&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;693&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net income per common share, basic&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.36&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.40&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.34&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net income per common share, diluted&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.36&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.40&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.34&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.21&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Dividends per common share&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.18&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.18&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.18&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.18&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="89%" colspan="10"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="50%" colspan="9" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2010 Quarter Ended&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;March 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;June 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="14%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;September 30&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="22%" colspan="3" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(in thousands, except per share amounts)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total interest and dividend income&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,844&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 3px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,934&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6,950&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;7,061&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net interest income after provision for loan losses&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,879&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,785&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,721&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;3,549&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Noninterest income&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,364&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,383&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,475&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,277&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Noninterest expenses&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,058&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,105&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,290&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4,356&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Income before income taxes&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,185&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;2,063&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(94&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;)&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;470&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net income&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,578&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;1,485&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;81&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;461&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net income per common share, basic&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.49&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.46&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.02&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Net income per common share, diluted&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.49&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.46&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.02&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.14&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="39%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Dividends per common share&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.17&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.17&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.17&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="right"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="10%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;0.18&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:QuarterlyFinancialInformationTextBlock>
  <us-gaap:RealEstateAcquiredThroughForeclosure contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">1783000</us-gaap:RealEstateAcquiredThroughForeclosure>
  <us-gaap:RealEstateAcquiredThroughForeclosure contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">2378000</us-gaap:RealEstateAcquiredThroughForeclosure>
  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 16. Capital Requirements&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's and Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to average assets (as defined). Management believes that the Company and the Bank met all capital adequacy requirements to which they are subject at December 31, 2011 and 2010.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;At December 31, 2011, the most recent notification from the Federal Reserve Bank categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the tables. There are no conditions or events since the notification that management believes have changed the Bank's category. The following table presents the Company's and the Bank's actual capital amounts and ratios at December 31, 2011 and 2010:&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;table border="0" cellspacing="0"&gt;
&lt;tr&gt;&lt;td width="31%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="9%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;
&lt;td width="8%"&gt; &lt;/td&gt;
&lt;td width="7%"&gt; &lt;/td&gt;
&lt;td width="2%"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;To Be Well&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Minimum&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Capitalized Under&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Capital&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Prompt Corrective&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="21%" colspan="4" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Actual&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Requirement&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Action Provisions&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="9%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="8%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="8%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="8%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Amount&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="7%" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Ratio&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td style="border-bottom: #000000 3px double;" width="2%" align="center"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;(dollars in thousands)&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2011:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total Capital to Risk Weighted Assets&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;67,155&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16.96&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;31,670&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank of Clarke County&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;60,930&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15.55&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;31,338&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;39,172&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Tier 1 Capital to Risk Weighted Assets&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;62,159&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15.70&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,835&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank of Clarke County&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;55,986&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14.29&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,669&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;23,503&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Tier 1 Capital to Average Assets&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;62,159&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;10.88&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,844&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank of Clarke County&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;55,986&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9.86&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,706&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;28,382&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td width="90%" colspan="13"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;December 31, 2010:&lt;/font&gt;&lt;/b&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Total Capital to Risk Weighted Assets&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;64,692&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16.02&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;32,299&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank of Clarke County&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;58,111&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14.56&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;31,935&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;8.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;39,919&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;10.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Tier 1 Capital to Risk Weighted Assets&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;59,619&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;14.77&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;16,150&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank of Clarke County&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;53,095&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;13.30&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;15,967&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;23,951&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;6.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Tier 1 Capital to Average Assets&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="9%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="8%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="7%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Consolidated&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;59,619&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;10.62&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,462&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td width="15%" colspan="2" align="center"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;N/A&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr valign="bottom"&gt;&lt;td style="text-indent: 3px;" width="31%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Bank of Clarke County&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="9%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;53,095&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;9.56&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td style="text-indent: 1px;" width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;22,226&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;4.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;$&lt;/font&gt;&lt;/td&gt;
&lt;td width="8%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;27,783&lt;/font&gt;&lt;/td&gt;
&lt;td width="7%" align="right"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;5.00&lt;/font&gt;&lt;/td&gt;
&lt;td width="2%" align="left"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;%&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:RelatedPartyTransactionsDisclosureTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 15. Transactions with Directors and Officers&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Bank grants loans to and accepts deposits from its directors, principal officers and related parties of such persons during the ordinary course of business. The aggregate balance of loans to directors, principal officers and their related parties was $11,210,000 and $10,281,000 at December 31, 2011 and 2010, respectively. These balances reflect total principal additions of $5,097,000 and total principal payments of $4,168,000 during 2011. The aggregate balance of deposits from directors, principal officers and their related parties was $10,010,000 and $7,436,000 at December 31, 2011 and 2010, respectively.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RelatedPartyTransactionsDisclosureTextBlock>
  <us-gaap:RestrictedInvestments contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">3982000</us-gaap:RestrictedInvestments>
  <us-gaap:RestrictedInvestments contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">3520000</us-gaap:RestrictedInvestments>
  <us-gaap:RestrictionsOnDividendsLoansAndAdvancesTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 17. Restrictions On Dividends, Loans and Advances&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;Federal and state banking regulations place certain restrictions on dividends paid and loans or advances made by the Bank to the Company. The total amount of dividends which may be paid at any date is generally limited to the lesser of the Bank's retained earnings or the three preceding years' undistributed net income of the Bank. Loans or advances are limited to 10% of the Bank's capital stock and surplus on a secured basis. In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank's capital to be reduced below applicable minimum capital requirements.&lt;/font&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;At December 31, 2011, the Bank's retained earnings available for the payment of dividends to the Company was $7,278,000. Accordingly, $51,879,000 of the Company's equity in the net assets of the Bank was restricted at December 31, 2011. Funds available for loans or advances by the Bank to the Company amounted to $1,146,000 at December 31, 2011.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RestrictionsOnDividendsLoansAndAdvancesTextBlock>
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">35419000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">37374000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">165000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">116000</us-gaap:ShareBasedCompensation>
  <us-gaap:ShareBasedCompensation contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">166000</us-gaap:ShareBasedCompensation>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2008" unitRef="Unit12" decimals="-3">46829000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2008_us-gaap_StatementScenarioAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">-1634000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2008_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">7796000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2008_us-gaap_StatementScenarioAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">7888000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2008_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">32779000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2009" unitRef="Unit12" decimals="-3">51643000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">1092000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">8504000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">7999000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">34048000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2010" unitRef="Unit12" decimals="-3">53829000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">1210000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">9076000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">8124000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">35419000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="-3">58090000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_AccumulatedOtherComprehensiveIncomeMember" unitRef="Unit12" decimals="-3">2931000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">9568000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">8217000</us-gaap:StockholdersEquity>
  <us-gaap:StockholdersEquity contextRef="As_Of_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_RetainedEarningsMember" unitRef="Unit12" decimals="-3">37374000</us-gaap:StockholdersEquity>
  <us-gaap:StockIssued1 contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">583000</us-gaap:StockIssued1>
  <us-gaap:StockIssued1 contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">590000</us-gaap:StockIssued1>
  <us-gaap:StockIssued1 contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">604000</us-gaap:StockIssued1>
  <us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="INF">36559</us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="INF">37905</us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="INF">38703</us-gaap:StockIssuedDuringPeriodSharesDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodSharesEmployeeBenefitPlan contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="INF">4530</us-gaap:StockIssuedDuringPeriodSharesEmployeeBenefitPlan>
  <us-gaap:StockIssuedDuringPeriodSharesEmployeeBenefitPlan contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="INF">5184</us-gaap:StockIssuedDuringPeriodSharesEmployeeBenefitPlan>
  <us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit1" decimals="INF">3509</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures>
  <us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit1" decimals="INF">11936</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures>
  <us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit1" decimals="INF">9291</us-gaap:StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">583000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">492000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">91000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">590000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">495000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan contextRef="Duration_1_1_2010_To_12_31_2010_us-gaap_StatementScenarioAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">95000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">604000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">508000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">96000</us-gaap:StockIssuedDuringPeriodValueDividendReinvestmentPlan>
  <us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">76000</us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan>
  <us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">65000</us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan>
  <us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan contextRef="Duration_1_1_2009_To_12_31_2009_us-gaap_StatementScenarioAxis_us-gaap_CommonStockMember" unitRef="Unit12" decimals="-3">11000</us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan>
  <us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">89000</us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan>
  <us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan contextRef="Duration_1_1_2011_To_12_31_2011_us-gaap_StatementScenarioAxis_us-gaap_AdditionalPaidInCapitalMember" unitRef="Unit12" decimals="-3">76000</us-gaap:StockIssuedDuringPeriodValueEmployeeBenefitPlan>
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  <us-gaap:SubsequentEventsTextBlock contextRef="Duration_1_1_2011_To_12_31_2011">&lt;div&gt; &lt;div&gt;

&lt;p style="text-align: left;"&gt;&lt;b&gt;&lt;font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;NOTE 23. Subsequent Events&lt;/font&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p style="text-align: left;"&gt;&lt;font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"&gt;The Company has evaluated events and transactions subsequent to December 31, 2011 but before the financial statements are issued. Based on definitions and requirements of Generally Accepted Accounting Principles for "Subsequent Events", the Company has not identified any subsequent events that require adjustment to, or disclosure in, the financial statements.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:SubsequentEventsTextBlock>
  <us-gaap:SuppliesAndPostageExpense contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">311000</us-gaap:SuppliesAndPostageExpense>
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  <us-gaap:SuppliesAndPostageExpense contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">292000</us-gaap:SuppliesAndPostageExpense>
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  <us-gaap:UnrealizedGainLossOnInvestments contextRef="Duration_1_1_2009_To_12_31_2009" unitRef="Unit12" decimals="-3">2914000</us-gaap:UnrealizedGainLossOnInvestments>
  <us-gaap:UnrealizedGainLossOnInvestments contextRef="Duration_1_1_2010_To_12_31_2010" unitRef="Unit12" decimals="-3">176000</us-gaap:UnrealizedGainLossOnInvestments>
  <us-gaap:UnrealizedGainLossOnInvestments contextRef="Duration_1_1_2011_To_12_31_2011" unitRef="Unit12" decimals="-3">2602000</us-gaap:UnrealizedGainLossOnInvestments>
  <!--Footnote Section-->
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<!--Created on: 3/19/2012 5:29:04 PM-->
<!--Modified on: 3/19/2012 5:29:04 PM-->
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<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>9
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<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
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<!--Based on XBRL 2.1-->
<!--Created on: 3/19/2012 5:29:04 PM-->
<!--Modified on: 3/19/2012 5:29:04 PM-->
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>11
<FILENAME>efsi-20111231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Loans, net of allowance for loan losses of $7,833 in 2010 and $5,970 in 2009</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Loans, net of allowance for loan losses of $8,743 in 2011 and $7,111 in 2010</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Bank premises and equipment, net</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RealEstateAcquiredThroughForeclosure" xlink:label="us-gaap_RealEstateAcquiredThroughForeclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RealEstateAcquiredThroughForeclosure" xlink:to="us-gaap_RealEstateAcquiredThroughForeclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RealEstateAcquiredThroughForeclosure_lbl" xml:lang="en-US">Real Estate Acquired Through Foreclosure</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_RealEstateAcquiredThroughForeclosure_lbl" xml:lang="en-US">Other real estate owned</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_OtherAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other assets</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Assets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Assets, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Total assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" xml:lang="en-US">Liabilities and Shareholders' Equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:label="us-gaap_NoninterestBearingDepositLiabilitiesDomestic" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestBearingDepositLiabilitiesDomestic" xlink:to="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" xml:lang="en-US">Noninterest-bearing Deposit Liabilities, Domestic</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" xml:lang="en-US">Noninterest bearing demand deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestBearingDepositLiabilitiesDomestic_lbl" xml:lang="en-US">Noninterest-bearing Deposit Liabilities, Domestic, Total</label>
    <loc xlink:type="locator" xlink:href="efsi-20111231.xsd#efsi_SavingsAndInterestBearingDemandDeposits" xlink:label="efsi_SavingsAndInterestBearingDemandDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="efsi_SavingsAndInterestBearingDemandDeposits" xlink:to="efsi_SavingsAndInterestBearingDemandDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_SavingsAndInterestBearingDemandDeposits_lbl" xml:lang="en-US">Savings and interest bearing demand deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="efsi_SavingsAndInterestBearingDemandDeposits_lbl" xml:lang="en-US">Savings and interest bearing demand deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="efsi_SavingsAndInterestBearingDemandDeposits_lbl" xml:lang="en-US">Savings and interest bearing demand deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="efsi_SavingsAndInterestBearingDemandDeposits_lbl" xml:lang="en-US">Savings and interest bearing demand deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TimeDeposits" xlink:label="us-gaap_TimeDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TimeDeposits" xlink:to="us-gaap_TimeDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TimeDeposits_lbl" xml:lang="en-US">Time deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_TimeDeposits_lbl" xml:lang="en-US">Time deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DepositsDomestic" xlink:label="us-gaap_DepositsDomestic" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsDomestic" xlink:to="us-gaap_DepositsDomestic_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositsDomestic_lbl" xml:lang="en-US">Deposits, Domestic</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DepositsDomestic_lbl" xml:lang="en-US">Total deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase" xlink:label="us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase" xlink:to="us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase_lbl" xml:lang="en-US">Federal funds purchased and securities sold under agreements to repurchase</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase_lbl" xml:lang="en-US">Federal Funds Purchased and Securities Sold under Agreements to Repurchase, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdvancesFromFederalHomeLoanBanks" xlink:to="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl" xml:lang="en-US">Federal Home Loan Bank advances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl" xml:lang="en-US">Long-term Federal Home Loan Bank Advances, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AdvancesFromFederalHomeLoanBanks_lbl" xml:lang="en-US">Federal Home Loan Bank advances</label>
    <loc xlink:type="locator" xlink:href="efsi-20111231.xsd#efsi_PreferredCapitalNotesOfTrust" xlink:label="efsi_PreferredCapitalNotesOfTrust" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="efsi_PreferredCapitalNotesOfTrust" xlink:to="efsi_PreferredCapitalNotesOfTrust_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_PreferredCapitalNotesOfTrust_lbl" xml:lang="en-US">Preferred Capital Notes Of Trust</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="efsi_PreferredCapitalNotesOfTrust_lbl" xml:lang="en-US">Preferred Capital Notes Of Trust</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="efsi_PreferredCapitalNotesOfTrust_lbl" xml:lang="en-US">Trust preferred capital notes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="efsi_PreferredCapitalNotesOfTrust_lbl" xml:lang="en-US">Trust preferred capital notes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="us-gaap_OtherLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilities" xlink:to="us-gaap_OtherLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other Liabilities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Total liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="us-gaap_StockholdersEquityAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US">Shareholders' Equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="us-gaap_PreferredStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PreferredStockValue" xlink:to="us-gaap_PreferredStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PreferredStockValue_lbl" xml:lang="en-US">Preferred stock, $10 par value; 500,000 shares authorized and unissued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_PreferredStockValue_lbl" xml:lang="en-US">Preferred Stock, Value, Issued, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_PreferredStockValue_lbl" xml:lang="en-US">Preferred Stock, Value, Issued, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PreferredStockValue_lbl" xml:lang="en-US">Preferred Stock, Value, Issued, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="us-gaap_CommonStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common stock, $2.50 par value; authorized 10,000,000 shares; issued 2010, 3,254,204 shares; issued 2009, 3,217,874 shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common Stock, Value, Issued, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common Stock, Value, Issued, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common stock, $2.50 par value; authorized 10,000,000 shares; issued 2011, 3,286,992; issued 2010, 3,249,477</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common stock, $2.50 par value; authorized 10,000,000 shares; issued 2011, 3,263,590; issued 2010, 3,249,477</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional Paid in Capital, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional Paid in Capital, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional Paid in Capital, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained earnings</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="us-gaap_PreferredStockSharesAuthorized" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="us-gaap_CommonStockSharesAuthorized" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="us-gaap_CommonStockSharesIssued" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="us-gaap_CommonStockSharesIssued_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common stock, shares issued</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="us-gaap_IncomeStatementAbstract" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestAndFeeIncomeLoansAndLeases_lbl" xml:lang="en-US">Interest and Fee Income, Loans and Leases, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeFederalFundsSold" xlink:label="us-gaap_InterestIncomeFederalFundsSold" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeFederalFundsSold" xlink:to="us-gaap_InterestIncomeFederalFundsSold_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeFederalFundsSold_lbl" xml:lang="en-US">Interest on federal funds sold</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract_lbl" xml:lang="en-US">Interest and dividends on securities available for sale:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxable" xlink:label="us-gaap_InterestIncomeSecuritiesTaxable" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:label="us-gaap_InterestIncomeSecuritiesTaxExempt" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DividendIncomeOperating" xlink:label="us-gaap_DividendIncomeOperating" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeDomesticDeposits" xlink:label="us-gaap_InterestIncomeDomesticDeposits" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeDomesticDeposits_lbl" xml:lang="en-US">Interest Income, Domestic Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestIncomeDomesticDeposits_lbl" xml:lang="en-US">Interest on deposits in banks</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestIncomeDomesticDeposits_lbl" xml:lang="en-US">Interest Income, Domestic Deposits, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="us-gaap_InterestAndDividendIncomeOperating" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl" xml:lang="en-US">Total interest and dividend income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestAndDividendIncomeOperating_lbl" xml:lang="en-US">Total interest and dividend income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="us-gaap_InterestExpenseAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseAbstract_lbl" xml:lang="en-US">Interest Expense</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpenseDomesticDeposits_lbl" xml:lang="en-US">Interest Expense, Domestic Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseDomesticDeposits_lbl" xml:lang="en-US">Interest on deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpenseDomesticDeposits_lbl" xml:lang="en-US">Interest Expense, Domestic Deposits, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase" xlink:label="us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase_lbl" xml:lang="en-US">Interest on federal funds purchased and securities sold under agreements to repurchase</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase_lbl" xml:lang="en-US">Interest Expense, Federal Funds Purchased and Securities Sold under Agreements to Repurchase, Total</label>
    <loc xlink:type="locator" xlink:href="efsi-20111231.xsd#efsi_InterestOnFederalHomeLoanBankAdvances" xlink:label="efsi_InterestOnFederalHomeLoanBankAdvances" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_InterestOnFederalHomeLoanBankAdvances_lbl" xml:lang="en-US">Interest on Federal Home Loan Bank advances.</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseTradingLiabilities" xlink:label="us-gaap_InterestExpenseTradingLiabilities" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpenseTradingLiabilities_lbl" xml:lang="en-US">Interest on interest rate swap</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpense" xlink:label="us-gaap_InterestExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Total interest expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Total interest expense</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="us-gaap_InterestIncomeExpenseNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseNet" xlink:to="us-gaap_InterestIncomeExpenseNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Net interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestIncomeExpenseNet_lbl" xml:lang="en-US">Net interest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanAndLeaseLosses" xlink:to="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision For Loan Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision For Loan Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for Loan and Lease Losses, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xml:lang="en-US">Net interest income after provision for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_lbl" xml:lang="en-US">Net interest income after provision for loan losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestIncomeAbstract" xlink:label="us-gaap_NoninterestIncomeAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeAbstract" xlink:to="us-gaap_NoninterestIncomeAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncomeAbstract_lbl" xml:lang="en-US">Noninterest Income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" xlink:label="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities" xlink:to="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities_lbl" xml:lang="en-US">Income from fiduciary activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FeesAndCommissionsDepositorAccounts" xlink:label="us-gaap_FeesAndCommissionsDepositorAccounts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FeesAndCommissionsDepositorAccounts" xlink:to="us-gaap_FeesAndCommissionsDepositorAccounts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FeesAndCommissionsDepositorAccounts_lbl" xml:lang="en-US">Service charges on deposit accounts</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FeesAndCommissionsOther" xlink:label="us-gaap_FeesAndCommissionsOther" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FeesAndCommissionsOther" xlink:to="us-gaap_FeesAndCommissionsOther_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FeesAndCommissionsOther_lbl" xml:lang="en-US">Other service charges and fees</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfPropertyPlantEquipment" xlink:to="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xml:lang="en-US">Gain (Loss) on Sale of Property Plant Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xml:lang="en-US">Gain (loss) on the sale of bank premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_GainLossOnSaleOfPropertyPlantEquipment_lbl" xml:lang="en-US">Gain (Loss) on Sale of Property Plant Equipment, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainsLossesOnSalesOfOtherRealEstate" xlink:to="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" xml:lang="en-US">Loss on the sale of other real estate owned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" xml:lang="en-US">Loss on the sale of other real estate owned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" xml:lang="en-US">Loss on the sale of other real estate owned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_GainsLossesOnSalesOfOtherRealEstate_lbl" xml:lang="en-US">Gain (loss) on the sale of other real estate owned</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:to="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Gain (loss) on securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">(Gain) loss on securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Sales and calls of securities available for sale, net gain</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Gain (Loss) on Sale of Securities, Net, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_GainLossOnSaleOfSecuritiesNet_lbl" xml:lang="en-US">Gain (loss) on securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestIncomeOther" xlink:label="us-gaap_NoninterestIncomeOther" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncomeOther" xlink:to="us-gaap_NoninterestIncomeOther_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncomeOther_lbl" xml:lang="en-US">Other operating income (loss)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoninterestIncomeOther_lbl" xml:lang="en-US">Other operating income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestIncomeOther_lbl" xml:lang="en-US">Noninterest Income, Other, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="us-gaap_NoninterestIncome" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestIncome" xlink:to="us-gaap_NoninterestIncome_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestIncome_lbl" xml:lang="en-US">Total noninterest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NoninterestIncome_lbl" xml:lang="en-US">Total noninterest income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="us-gaap_NoninterestExpenseAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoninterestExpenseAbstract" xlink:to="us-gaap_NoninterestExpenseAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoninterestExpenseAbstract_lbl" xml:lang="en-US">Noninterest Expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="us-gaap_LaborAndRelatedExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LaborAndRelatedExpense" xlink:to="us-gaap_LaborAndRelatedExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LaborAndRelatedExpense_lbl" xml:lang="en-US">Labor and Related Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LaborAndRelatedExpense_lbl" xml:lang="en-US">Salaries and employee benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LaborAndRelatedExpense_lbl" xml:lang="en-US">Labor and Related Expense, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OccupancyNet" xlink:label="us-gaap_OccupancyNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OccupancyNet" xlink:to="us-gaap_OccupancyNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OccupancyNet_lbl" xml:lang="en-US">Occupancy expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EquipmentExpense" xlink:label="us-gaap_EquipmentExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquipmentExpense" xlink:to="us-gaap_EquipmentExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EquipmentExpense_lbl" xml:lang="en-US">Equipment expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MarketingAndAdvertisingExpense" xlink:label="us-gaap_MarketingAndAdvertisingExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MarketingAndAdvertisingExpense" xlink:to="us-gaap_MarketingAndAdvertisingExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MarketingAndAdvertisingExpense_lbl" xml:lang="en-US">Advertising and marketing expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_MarketingAndAdvertisingExpense_lbl" xml:lang="en-US">Marketing and Advertising Expense, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SuppliesAndPostageExpense" xlink:label="us-gaap_SuppliesAndPostageExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SuppliesAndPostageExpense" xlink:to="us-gaap_SuppliesAndPostageExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SuppliesAndPostageExpense_lbl" xml:lang="en-US">Stationery and supplies</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_SuppliesAndPostageExpense_lbl" xml:lang="en-US">Supplies and Postage Expense, Total</label>
    <loc xlink:type="locator" xlink:href="efsi-20111231.xsd#efsi_AtmNetworkFees" xlink:label="efsi_AtmNetworkFees" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="efsi_AtmNetworkFees" xlink:to="efsi_AtmNetworkFees_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_AtmNetworkFees_lbl" xml:lang="en-US">ATM network fees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="efsi_AtmNetworkFees_lbl" xml:lang="en-US">ATM network fees</label>
    <loc xlink:type="locator" xlink:href="efsi-20111231.xsd#efsi_OtherRealEstateOwnedExpenses" xlink:label="efsi_OtherRealEstateOwnedExpenses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="efsi_OtherRealEstateOwnedExpenses" xlink:to="efsi_OtherRealEstateOwnedExpenses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_OtherRealEstateOwnedExpenses_lbl" xml:lang="en-US">Other real estate owned expenses.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="efsi_OtherRealEstateOwnedExpenses_lbl" xml:lang="en-US">Other Real Estate Owned Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="efsi_OtherRealEstateOwnedExpenses_lbl" xml:lang="en-US">Other real estate owned expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:to="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalDepositInsuranceCorporationPremiumExpense_lbl" xml:lang="en-US">FDIC assessment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InformationTechnologyAndDataProcessing" xlink:label="us-gaap_InformationTechnologyAndDataProcessing" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InformationTechnologyAndDataProcessing" xlink:to="us-gaap_InformationTechnologyAndDataProcessing_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl" xml:lang="en-US">Information Technology and Data Processing</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InformationTechnologyAndDataProcessing_lbl" xml:lang="en-US">Computer software expense</label>
    <loc xlink:type="locator" xlink:href="efsi-20111231.xsd#efsi_OutsideServiceFees" xlink:label="efsi_OutsideServiceFees" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="efsi_OutsideServiceFees" xlink:to="efsi_OutsideServiceFees_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_OutsideServiceFees_lbl" xml:lang="en-US">Outside Service Fees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="efsi_OutsideServiceFees_lbl" xml:lang="en-US">Outside Service Fees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="efsi_OutsideServiceFees_lbl" xml:lang="en-US">Outside service fees</label>
    <loc xlink:type="locator" xlink:href="efsi-20111231.xsd#efsi_BankFranchiseTax" xlink:label="efsi_BankFranchiseTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="efsi_BankFranchiseTax" xlink:to="efsi_BankFranchiseTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_BankFranchiseTax_lbl" xml:lang="en-US">Bank franchise tax.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="efsi_BankFranchiseTax_lbl" xml:lang="en-US">Bank Franchise Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="efsi_BankFranchiseTax_lbl" xml:lang="en-US">Bank franchise tax</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueEmployeeBenefitPlan_lbl" xml:lang="en-US">Issuance of common stock, employee benefit plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueEmployeeBenefitPlan_lbl" xml:lang="en-US">Issuance of common stock, employee benefit plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodValueEmployeeBenefitPlan_lbl" xml:lang="en-US">Issuance of common stock, employee benefit plan</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DividendsCommonStock_lbl" xml:lang="en-US">Dividends, Common Stock, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DividendsCommonStock_lbl" xml:lang="en-US">Dividends declared</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" xlink:label="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_lbl" xml:lang="en-US">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax, Portion Attributable to Parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_lbl" xml:lang="en-US">Changes in benefit obligations and plan assets for defined benefit and post retirement benefit plans, deferred income taxes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent_lbl" xml:lang="en-US">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Tax, Portion Attributable to Parent, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease" xlink:label="us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease" xlink:to="us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease_lbl" xml:lang="en-US">Other Comprehensive Income, Derivatives Qualifying as Hedges, Tax Effect</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease_lbl" xml:lang="en-US">Change in market value of interest rate swap, deferred income taxes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease_lbl" xml:lang="en-US">Other Comprehensive Income, Derivatives Qualifying as Hedges, Tax Effect, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax" xlink:to="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl" xml:lang="en-US">Other Comprehensive Income, Unrealized Holding Gain (Loss) on Securities Arising During Period, Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax_lbl" xml:lang="en-US">Unrealized gain on available for sale securities, deferred income taxes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:label="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures" xlink:to="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_lbl" xml:lang="en-US">Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_lbl" xml:lang="en-US">Issuance of restricted stock, stock incentive plan, shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures_lbl" xml:lang="en-US">Stock Issued During Period, Shares, Restricted Stock Award, Net of Forfeitures, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan" xlink:label="us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan" xlink:to="us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan_lbl" xml:lang="en-US">Stock Issued During Period, Shares, Dividend Reinvestment Plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan_lbl" xml:lang="en-US">Issuance of common stock, dividend investment plan, shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan" xlink:label="us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan" xlink:to="us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan_lbl" xml:lang="en-US">Stock Issued During Period, Shares, Employee Benefit Plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan_lbl" xml:lang="en-US">Issuance of common stock, employee benefit plan, shares</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockRepurchasedDuringPeriodShares_lbl" xml:lang="en-US">Stock Repurchased and Retired During Period, Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_StockRepurchasedDuringPeriodShares_lbl" xml:lang="en-US">Retirement of common stock, shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockRepurchasedDuringPeriodShares_lbl" xml:lang="en-US">Retirement of common stock, shares</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Common Stock, Dividends, Per Share, Declared</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareDeclared_lbl" xml:lang="en-US">Dividends declared, per share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="us-gaap_StatementOfCashFlowsAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_lbl" xml:lang="en-US">Cash Flows from Operating Activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Depreciation_lbl" xml:lang="en-US">Depreciation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Depreciation_lbl" xml:lang="en-US">Depreciation, Total</label>
    <loc xlink:type="locator" xlink:href="efsi-20111231.xsd#efsi_AmortizationOfIntangibleAndOtherAssets" xlink:label="efsi_AmortizationOfIntangibleAndOtherAssets" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_AmortizationOfIntangibleAndOtherAssets_lbl" xml:lang="en-US">Amortization Of Intangible And Other Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="efsi_AmortizationOfIntangibleAndOtherAssets_lbl" xml:lang="en-US">Amortization Of Intangible And Other Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="efsi_AmortizationOfIntangibleAndOtherAssets_lbl" xml:lang="en-US">Amortization of intangible and other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainsLossesOnSalesOfAssets" xlink:label="us-gaap_GainsLossesOnSalesOfAssets" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainsLossesOnSalesOfAssets_lbl" xml:lang="en-US">Loss on the sale and disposal of assets</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="us-gaap_ShareBasedCompensation" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Share-based Compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensation_lbl" xml:lang="en-US">Stock-based compensation expense</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Accretion (Amortization) of Discounts and Premiums, Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Premium amortization (discount accretion) on securities, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments_lbl" xml:lang="en-US">Premium amortization (discount accretion) on securities, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred tax benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DeferredIncomeTaxExpenseBenefit_lbl" xml:lang="en-US">Deferred Income Tax Expense (Benefit), Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_lbl" xml:lang="en-US">Changes in assets and liabilities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">(Increase) in other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">Decrease (increase) in other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">(Increase) in other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">Increase (Decrease) in Other Operating Assets, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInOtherOperatingAssets_lbl" xml:lang="en-US">Increase in other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInOperatingLiabilities" xlink:label="us-gaap_IncreaseDecreaseInOperatingLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInOperatingLiabilities" xlink:to="us-gaap_IncreaseDecreaseInOperatingLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInOperatingLiabilities_lbl" xml:lang="en-US">Increase (Decrease) in Operating Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncreaseDecreaseInOperatingLiabilities_lbl" xml:lang="en-US">Increase (Decrease) in Operating Liabilities, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInOperatingLiabilities_lbl" xml:lang="en-US">(Decrease) increase in other liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Operating Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash provided by operating activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Cash Flows from Investing Activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Sale and Maturity of Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from maturities and principal payments of securities available for sale and restricted investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Sale and Maturity of Available-for-sale Securities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:to="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Sale of Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Sales and calls of securities available for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from Sale of Available-for-sale Securities, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities_lbl" xml:lang="en-US">Proceeds from sales of securities available for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Payments to Acquire Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Purchases of securities available for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Purchases of securities available for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Payments to Acquire Available-for-sale Securities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromSaleOfRestrictedInvestments" xlink:label="us-gaap_ProceedsFromSaleOfRestrictedInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfRestrictedInvestments" xlink:to="us-gaap_ProceedsFromSaleOfRestrictedInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfRestrictedInvestments_lbl" xml:lang="en-US">Proceeds from Sale of Restricted Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfRestrictedInvestments_lbl" xml:lang="en-US">Proceeds from the sale of restricted investments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquireRestrictedInvestments" xlink:label="us-gaap_PaymentsToAcquireRestrictedInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireRestrictedInvestments" xlink:to="us-gaap_PaymentsToAcquireRestrictedInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireRestrictedInvestments_lbl" xml:lang="en-US">Payments to Acquire Restricted Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireRestrictedInvestments_lbl" xml:lang="en-US">Purchases of restricted investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquireRestrictedInvestments_lbl" xml:lang="en-US">Purchases of restricted investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsToAcquireRestrictedInvestments_lbl" xml:lang="en-US">Payments to Acquire Restricted Investments, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment" xlink:to="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_lbl" xml:lang="en-US">Proceeds from Sale of Property, Plant, and Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_lbl" xml:lang="en-US">Proceeds from the sale of bank premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_lbl" xml:lang="en-US">Proceeds from the sale of equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment_lbl" xml:lang="en-US">Proceeds from Sale of Property, Plant, and Equipment, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchases of bank premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchases of bank premises and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromSaleOfOtherRealEstate" xlink:label="us-gaap_ProceedsFromSaleOfOtherRealEstate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromSaleOfOtherRealEstate" xlink:to="us-gaap_ProceedsFromSaleOfOtherRealEstate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromSaleOfOtherRealEstate_lbl" xml:lang="en-US">Proceeds from Sale of Other Real Estate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromSaleOfOtherRealEstate_lbl" xml:lang="en-US">Proceeds from the sale of other real estate owned</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:to="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Payments for (Proceeds from) Loans and Leases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Net (increase) in loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Payments for (Proceeds from) Loans and Leases, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansAndLeases_lbl" xml:lang="en-US">Net decrease (increase) in loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net cash (used in) investing activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Cash Flows from Financing Activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="us-gaap_IncreaseDecreaseInDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeposits" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Increase Decrease In Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Net increase in demand deposit, money market and savings accounts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Increase (Decrease) in Deposits, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Net increase in demand deposits, money market and savings accounts</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInTimeDeposits_lbl" xml:lang="en-US">Increase (Decrease) in Time Deposits</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet" xlink:label="us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet_lbl" xml:lang="en-US">Net increase in federal funds purchased and securities sold under agreements to repurchase</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInLoansToFederalHomeLoanBanks_lbl" xml:lang="en-US">Net (decrease) increase in Federal Home Loan Bank advances</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_IssuanceOfCommonStockEmployeeBenefitPlan_lbl" xml:lang="en-US">Issuance of common stock, employee benefit plan.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="efsi_IssuanceOfCommonStockEmployeeBenefitPlan_lbl" xml:lang="en-US">Issuance of Common Stock Employee Benefit Plan</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="efsi_IssuanceOfCommonStockEmployeeBenefitPlan_lbl" xml:lang="en-US">Issuance of common stock, employee benefit plan</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:to="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl" xml:lang="en-US">Payments for Repurchase of Common Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl" xml:lang="en-US">Retirement of common stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsForRepurchaseOfCommonStock_lbl" xml:lang="en-US">Retirement of common stock</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="us-gaap_PaymentsOfDividendsCommonStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividendsCommonStock" xlink:to="us-gaap_PaymentsOfDividendsCommonStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl" xml:lang="en-US">Payments of Dividends, Common Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl" xml:lang="en-US">Cash dividends paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsOfDividendsCommonStock_lbl" xml:lang="en-US">Cash dividends paid</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net cash provided by financing activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xml:lang="en-US">Cash and Cash Equivalents, Period Increase (Decrease)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xml:lang="en-US">Increase (decrease) in cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract_lbl" xml:lang="en-US">Cash and Cash Equivalents, Period Increase (Decrease) [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract_lbl" xml:lang="en-US">Cash and Cash Equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl" xml:lang="en-US">Ending</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl" xml:lang="en-US">Total cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract_lbl" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestPaid" xlink:label="us-gaap_InterestPaid" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPaid" xlink:to="us-gaap_InterestPaid_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestPaid_lbl" xml:lang="en-US">Interest Paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestPaid_lbl" xml:lang="en-US">Interest Paid, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_InterestPaid_lbl" xml:lang="en-US">Interest</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeTaxesPaid" xlink:label="us-gaap_IncomeTaxesPaid" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxesPaid" xlink:to="us-gaap_IncomeTaxesPaid_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxesPaid_lbl" xml:lang="en-US">Income Taxes Paid</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" xlink:label="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract_lbl" xml:lang="en-US">Supplemental Schedule of Noncash Investing and Financing Activities:</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnrealizedGainLossOnInvestments" xlink:to="us-gaap_UnrealizedGainLossOnInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_UnrealizedGainLossOnInvestments_lbl" xml:lang="en-US">Unrealized Gain (Loss) on Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UnrealizedGainLossOnInvestments_lbl" xml:lang="en-US">Unrealized gain on securities available for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_UnrealizedGainLossOnInvestments_lbl" xml:lang="en-US">Unrealized Gain (Loss) on Investments, Total</label>
    <loc xlink:type="locator" xlink:href="efsi-20111231.xsd#efsi_ChangeInMarketValueOfInterestRateSwapNonCash" xlink:label="efsi_ChangeInMarketValueOfInterestRateSwapNonCash" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="efsi_ChangeInMarketValueOfInterestRateSwapNonCash" xlink:to="efsi_ChangeInMarketValueOfInterestRateSwapNonCash_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="efsi_ChangeInMarketValueOfInterestRateSwapNonCash_lbl" xml:lang="en-US">Amount of unrealized gain (loss) related to derivatives designated as cash flow hedging instruments, recorded in results of operations to the extent that the cash flow hedge is determined to be ineffective.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="efsi_ChangeInMarketValueOfInterestRateSwapNonCash_lbl" xml:lang="en-US">Change In Market Value Of Interest Rate Swap Non Cash</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="efsi_ChangeInMarketValueOfInterestRateSwapNonCash_lbl" xml:lang="en-US">Change in fair value of interest rate swap</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueOfAssetsAcquired" xlink:label="us-gaap_FairValueOfAssetsAcquired" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueOfAssetsAcquired" xlink:to="us-gaap_FairValueOfAssetsAcquired_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueOfAssetsAcquired_lbl" xml:lang="en-US">Fair Value of Assets Acquired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FairValueOfAssetsAcquired_lbl" xml:lang="en-US">Other real estate acquired in settlement of loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssued1" xlink:label="us-gaap_StockIssued1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssued1" xlink:to="us-gaap_StockIssued1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssued1_lbl" xml:lang="en-US">Stock Issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockIssued1_lbl" xml:lang="en-US">Issuance of common stock, dividend investment plan</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_lbl" xml:lang="en-US">Nature Of Banking Activities And Significant Accounting Policies [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_lbl" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAbstract" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract_lbl" xml:lang="en-US">Securities [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableForSaleSecuritiesTextBlock" xlink:label="us-gaap_AvailableForSaleSecuritiesTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesTextBlock" xlink:to="us-gaap_AvailableForSaleSecuritiesTextBlock_lbl" />
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<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>12
<FILENAME>efsi-20111231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
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end
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<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>15
<FILENAME>0001193125-12-128570-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 18. Dividend Investment Plan</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company has a Dividend Investment Plan, which allows participants' dividends to purchase additional shares of common stock at 95% of its fair market value on each dividend record date.</font></p></div> </div><span></span></td>
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<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Amortized costs and fair values of securities available for sale at December 31, 2011 and 2010 were as follows:</font></p>

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<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Losses)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="64%" colspan="9" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2011</font></b></td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td width="64%" colspan="9" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of U.S. government</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">corporations and agencies</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">17,655</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">878</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">18,533</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Mortgage-backed securities</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">33,420</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,143</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(17</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">34,546</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of states and</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">political subdivisions</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">43,640</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,159</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(33</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">45,766</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Corporate securities</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,421</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">707</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(85</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13,043</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity securities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,054</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">192</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,246</font></td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">109,190</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,079</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(135</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">114,134</font></td></tr>
<tr><td width="95%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="64%" colspan="9" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2010</font></b></td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td width="64%" colspan="9" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of U.S. government</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">corporations and agencies</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">32,716</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">531</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(97</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">33,150</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Mortgage-backed securities</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,706</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">524</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(73</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16,157</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of states and</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">political subdivisions</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">42,511</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">928</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(531</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">42,908</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Corporate securities</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14,464</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">994</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(57</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,401</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity securities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,054</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">124</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,178</font></td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">107,451</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,101</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(758</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">109,794</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Carrying amounts of restricted securities at December 31, 2011 and 2010 were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="54%"> </td>
<td width="2%"> </td>
<td width="21%"> </td>
<td width="2%"> </td>
<td width="20%"> </td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="23%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="22%" colspan="2" align="right"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2010</font></b></td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td width="45%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr><td width="99%" colspan="5">&nbsp;</td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Federal Reserve Bank Stock</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">344</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">344</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Federal Home Loan Bank Stock</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,036</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,498</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Community Bankers' Bank Stock</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">140</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">140</font></td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,520</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,982</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The amortized cost and fair value of securities available for sale at December 31, 2011, by contractual maturity, are shown below. Maturities may differ from contractual maturities in mortgage-backed securities because the mortgages underlying the securities may be called or repaid without any penalties.</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="54%"> </td>
<td width="2%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="19%"> </td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Amortized</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="19%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair</font></b></td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Cost</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="19%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="41%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Due in one year or less</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">995</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="19%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,015</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Due after one year through five years</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">31,385</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="19%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">32,767</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Due after five years through ten years</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">36,037</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="19%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">38,020</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Due after ten years</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">38,719</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="19%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">40,086</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity securities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,054</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="19%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,246</font></td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">109,190</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="19%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">114,134</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">During 2011, the Company sold $4,849,000 in available for sale securities for a net gain of $155,000. In 2010, the Company sold $2,853,000 in available for sale securities for a net gain of $98,000. During 2011, the Company also recorded an impairment charge of $87,500 on a corporate security. The remaining book value of this security at December 31, 2011 is $38,000.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The fair value and gross unrealized losses for securities available for sale, totaled by the length of time that individual securities have been in a continuous gross unrealized loss position, at December 31, 2011 and 2010 were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="22%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="24%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Less than 12 months</font></b></td>
<td style="border-bottom: #000000 3px double;" width="24%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">12 months or more</font></b></td>
<td style="border-bottom: #000000 3px double;" width="25%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Gross</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Gross</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Gross</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Unrealized</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Unrealized</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Unrealized</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair Value</font></b></td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Losses</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair Value</font></b></td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Losses</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair Value</font></b></td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Losses</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="73%" colspan="12" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2011</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="73%" colspan="12" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of U.S. government</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">corporations and agencies</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Mortgage-backed securities</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,003</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">17</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,003</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">17</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of states and</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">political subdivisions</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">282</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">294</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">31</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">576</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">33</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Corporate securities</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,913</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">85</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,913</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">85</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity securities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,198</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">104</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">294</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">31</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,492</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">135</font></td></tr>
<tr><td width="95%" colspan="13">&nbsp;</td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="73%" colspan="12" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2010</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="73%" colspan="12" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of U.S. government</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">corporations and agencies</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,916</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">97</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,916</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">97</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Mortgage-backed securities</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,355</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">73</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,355</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">73</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of states and</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">political subdivisions</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,464</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">481</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">320</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">50</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,784</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">531</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Corporate securities</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,047</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">57</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,047</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">57</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity securities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">23,782</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">708</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">320</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">50</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">24,102</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">758</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Gross unrealized losses on available for sale securities included nine (9) and thirty-five (35) securities at December 31, 2011 and December 31, 2010, respectively. The Company evaluates securities for other-than-temporary impairment on at least a quarterly basis, and more frequently when economic or market concerns warrant such evaluation. The Company's mortgage-backed securities are issued by U.S. government agencies, which guarantee payments to investors regardless of the status of the underlying mortgages. Consideration is given to the length of time and the amount of an unrealized loss, the financial condition of the issuer, and the intent and ability of the Company to retain its investment in the issuer long enough to allow for an anticipated recovery in fair value. The fair value of a security reflects its liquidity as compared to similar instruments, current market rates on similar instruments, and the creditworthiness of the issuer. Absent any change in the liquidity of a security or the creditworthiness of the issuer, prices will decline as market rates rise and vice-versa. The primary cause of the unrealized losses on obligations of U.S. government corporations and agencies, mortgage-backed securities, and obligations of states and political subdivisions at December 31, 2011 and December 31, 2010 was changes in market interest rates. Since these losses can be attributed to changes in market interest rates and not expected cash flows or an issuer's financial condition, the unrealized losses are deemed to be temporary. The Company's holdings of corporate securities and equity securities represent investments in larger financial institutions. The current economic crisis involving housing, liquidity and credit were the primary causes of the unrealized losses on these securities at December 31, 2011 and 2010. The Company monitors the financial condition of these issuers continuously and will record other-than-temporary impairment if the recovery of value is unlikely.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company's securities are exposed to various risks, such as interest rate, market, currency and credit risks. Due to the level of risk associated with certain securities and the level of uncertainty related to changes in the value of securities, it is at least reasonably possible that changes in risks in the near term would materially affect securities reported in the financial statements. In addition, recent economic uncertainty and market events have led to unprecedented volatility in currency, commodity, credit and equity markets culminating in failures of some banking and financial services firms and Government intervention to solidify others. These recent events underscore the level of investment risk associated with the current economic environment, and accordingly the level of risk in the Company's securities.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities having a carrying value of $20,117,000 at December 31, 2011 were pledged to secure public deposits, securities sold under agreements to repurchase, and for other purposes required by law.</font></p></div></div> </div><span></span></td>
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                <p>Tabular disclosure of available-for-sale securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62557-112803<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19, 20, 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27198-111563<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27337-111563<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
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          <div style="width: 200px;"><strong>Fair Value Measurements<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Measurements [Abstract]</strong></a></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Fair Value Measurements</a></td>
        <td class="text"><div> <div>

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<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 22. Fair Value Measurements</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">GAAP requires the Company to record fair value adjustments to certain assets and liabilities and to determine fair value disclosures. The fair value of certain assets and liabilities is an exit price, representing the amount that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">"Fair Value Measurements" defines fair value, establishes a framework for measuring fair value, establishes a three-level valuation hierarchy for disclosure of fair value measurement and enhances disclosure requirements for fair value measurements. The valuation hierarchy is based upon the transparency of inputs to the valuation of an asset or liability as of the measurement date. The three levels are defined as follows:</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">&#149; Level 1 Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">&#149; Level 2 Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">&#149; Level 3 Inputs to the valuation methodology are unobservable and significant to the fair value measurement.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following sections provide a description of the valuation methodologies used for instruments measured at fair value, as well as the general classification of such instruments pursuant to the valuation hierarchy:</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities Available for Sale: Where quoted prices are available in an active market, securities are classified within Level 1 of the valuation hierarchy. Level 1 securities would include highly liquid government bonds, mortgage products and exchange traded equities. If quoted market prices are not available, then fair values are estimated by using pricing models, quoted prices of securities with similar characteristics, or discounted cash flow. Level 2 securities would include U.S. agency securities, mortgage-backed agency securities, obligations of states and political subdivisions and certain corporate, asset backed and other securities. In certain cases where there is limited activity or less transparency around inputs to the valuation, securities are classified within Level 3 of the valuation hierarchy.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest Rate Swap: The fair value is estimated by a third party using inputs that are observable or that can be corroborated by observable market data, and therefore, is classified within Level 2 of the valuation hierarchy.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following table presents balances of financial assets and liabilities measured at fair value on a recurring basis at December 31, 2011 and December 31, 2010:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="30%"> </td>
<td width="3%"> </td>
<td width="13%"> </td>
<td width="3%"> </td>
<td width="14%"> </td>
<td width="3%"> </td>
<td width="14%"> </td>
<td width="3%"> </td>
<td width="13%"> </td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="50%" colspan="6" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair Value Measurements at December 31, 2011 Using</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Quoted Prices</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">in Active</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Markets for</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance as of</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Identical</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Observable</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Unobservable</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Assets</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 1)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 2)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 3)</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="66%" colspan="8" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Assets:</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities available for sale</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of U.S. government</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">corporations and agencies</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">18,533</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">18,533</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Mortgage-backed securities</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">34,546</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">34,546</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of states and</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">political subdivisions</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">45,766</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">45,766</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Corporate securities</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13,043</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13,043</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity securities:</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank preferred stock</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,246</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,246</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total assets at fair value</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">114,134</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,246</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">111,888</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr><td width="96%" colspan="9">&nbsp;</td></tr>
<tr><td width="96%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Liabilities:</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest rate swap</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">580</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">580</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total liabilities at fair value</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">580</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">580</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr><td width="96%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="50%" colspan="6" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair Value Measurements at December 31, 2010 Using</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Quoted Prices</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">in Active</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Markets for</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance as of</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Identical</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Observable</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Unobservable</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Assets</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 1)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 2)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 3)</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="66%" colspan="8" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Assets:</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities available for sale</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of U.S. government</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">corporations and agencies</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">33,150</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">33,150</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Mortgage-backed securities</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16,157</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16,157</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Obligations of states and</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">political subdivisions</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">42,908</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">42,908</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Corporate securities</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,401</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,401</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity securities:</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank preferred stock</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,178</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,178</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total assets at fair value</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">109,794</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,178</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">107,616</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr><td width="96%" colspan="9">&nbsp;</td></tr>
<tr><td width="96%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Liabilities:</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest rate swap</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">169</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">169</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total liabilities at fair value</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">169</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">169</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Certain financial assets are measured at fair value on a nonrecurring basis in accordance with GAAP. Adjustments to the fair value of these assets usually result from the application of lower of cost or market accounting or write downs of individual assets.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following describes the valuation techniques used by the Company to measure certain financial and nonfinancial assets recorded at fair value on a nonrecurring basis in the financial statements:</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Impaired Loans: Loans are designated as impaired when, in the judgment of management based on current information and events, it is probable that all amounts due according to the contractual terms of the loan agreement will not be collected. The measurement of loss associated with impaired loans can be based on either the observable market price of the loan or the fair value of the collateral. Fair value is measured based on the value of the collateral securing the loans. Collateral may be in the form of real estate or business assets including equipment, inventory, and accounts receivable. The vast majority of the collateral is real estate. Level 2 impaired loan value is determined by utilizing an income or market valuation approach based on an appraisal conducted by an independent, licensed appraiser outside of the Company using observable market data. If the collateral is a house or building in the process of construction or if an appraisal of the real estate property is over two years old, then the fair value is considered Level 3. The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable business' financial statements if not considered significant using observable market data. Level 3 impaired loan values are determined using inventory and accounts receivables collateral and are based on financial statement balances or aging reports. Impaired loans for which an allocation is made to the Allowance for Loan Losses are measured at fair value on a nonrecurring basis. Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other Real Estate Owned: Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the lesser of the fair value of the property, less selling costs or the loan balance outstanding at the date of foreclosure. Any write-downs based on the asset's fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount of a property exceeds its fair value. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically performed by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. We believe that the fair value component in its valuation follows the provisions of GAAP.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following table summarizes the Company's financial and nonfinancial assets that were measured at fair value on a nonrecurring basis during the period:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="27%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="15%"> </td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="49%" colspan="5" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Carrying value at December 31, 2011</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Quoted Prices</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">in Active</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Markets for</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance as of</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Identical</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Observable</font></b></td>
<td width="17%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Unobservable</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Assets</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 1)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 2)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 3)</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="67%" colspan="8" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Financial Assets:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Impaired loans</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,804</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="text-indent: 13px;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,804</font></td></tr>
<tr><td width="94%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Nonfinancial Assets:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other real estate owned</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,378</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="text-indent: 13px;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,378</font></td></tr>
<tr><td width="94%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="49%" colspan="5" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Carrying value at December 31, 2010</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Quoted Prices</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="27%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">in Active</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="27%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Markets for</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance as of</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Identical</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Observable</font></b></td>
<td width="17%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Unobservable</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Assets</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 1)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 2)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 3)</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="67%" colspan="8" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Financial Assets:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Impaired loans</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,673</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="text-indent: 13px;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,673</font></td></tr>
<tr><td width="94%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Nonfinancial Assets:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other real estate owned</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,783</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="text-indent: 13px;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,783</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The fair value of a financial instrument is the current amount that would be exchanged between willing parties, other than in a forced liquidation. Fair value is best determined based upon quoted market prices. However, in many instances, there are no quoted market prices for the Company's various financial instruments. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. Accordingly, the fair value estimates may not be realized in an immediate settlement of the instrument. The aggregate fair value amounts presented may not necessarily represent the underlying fair value of the Company. The following methods and assumptions were used to estimate the fair value of the Company's financial instruments:</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash and short-term investments/restricted investments/accrued interest: The fair value was equal to the carrying amount.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities: The fair value, excluding restricted securities, was based on quoted market prices. The fair value of restricted securities approximated the carrying amount based on the redemption provisions of the issuers.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Loans: The fair value of variable rate loans, which reprice frequently and with no significant change in credit risk, was equal to the carrying amount. The fair value of all other loans was determined using discounted cash flow analysis. The discount rate was equal to the current interest rate on similar products.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Deposits and borrowings: The fair value of demand deposits, savings accounts, and certain money market deposits was equal to the carrying amount. The fair value of all other deposits and borrowings was determined using discounted cash flow analysis. The discount rate was equal to the current interest rate on similar products.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Off-balance-sheet financial instruments: The fair value of commitments to extend credit was estimated using the fees currently charged to enter similar agreements, taking into account the remaining terms of the agreements and the credit worthiness of the counterparties. The fair value of fixed rate loan commitments also considered the difference between current interest rates and the committed interest rates. The fair value of standby letters of credit was estimated using the fees currently charged for similar agreements or on the estimated cost to terminate or otherwise settle the obligations with the counterparties.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The carrying amount and fair value of the Company's financial instruments at December 31, 2011 and 2010 were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="32%"> </td>
<td width="2%"> </td>
<td width="13%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="13%"> </td></tr>
<tr valign="bottom"><td width="32%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="31%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="31%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2010</font></b></td></tr>
<tr valign="bottom"><td width="32%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Carrying</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Carrying</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair</font></b></td></tr>
<tr valign="bottom"><td width="32%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Value</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Value</font></b></td></tr>
<tr valign="bottom"><td width="32%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td style="text-indent: 8px;" width="29%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="29%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="32%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Financial assets:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash and short-term investments</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21,941</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21,941</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13,970</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13,970</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">114,134</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">114,134</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">109,794</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">109,794</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Restricted Investments</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,520</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,520</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,982</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,982</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Loans, net</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">401,681</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">418,230</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">401,338</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">416,669</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accrued interest receivable</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,037</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,037</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,179</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,179</font></td></tr>
<tr><td width="94%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Financial liabilities:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Deposits</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">448,465</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">449,990</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">429,296</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">430,627</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Federal funds purchased and securities</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">sold under agreements to repurchase</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">10,000</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">10,350</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14,395</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14,950</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Federal Home Loan Bank advances</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">42,250</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">44,833</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">52,250</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">54,853</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Trust preferred capital notes</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,217</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,217</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,217</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,217</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accrued interest payable</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">336</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">336</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">417</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">417</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest rate swap contract</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">580</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">580</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">169</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">169</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company assumes interest rate risk (the risk that general interest rate levels will change) during its normal operations. As a result, the fair value of the Company's financial instruments will change when interest rate levels change and that change may be either favorable or unfavorable to the Company. Management attempts to match maturities of assets and liabilities in order to minimize interest rate risk. However, borrowers with fixed rate obligations are less likely to prepay their principal balance in a rising rate environment and more likely to do so in a falling rate environment. Conversely, depositors who are receiving fixed rate interest payments are more likely to withdraw funds before maturity in a rising rate environment and less likely to do so in a falling rate environment. Management monitors rates and maturities of assets and liabilities and attempts to minimize interest rate risk by adjusting the terms of new loans and deposits and by investing in securities with terms that mitigate the Company's overall interest rate risk.</font></p></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19296-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 159<br><br> -Paragraph 17-22, 27, 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 15C, 15D<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Quarterly Condensed Statements Of Income<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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      </tr>
      <tr class="re">
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_QuarterlyFinancialInformationTextBlock', window );">Quarterly Condensed Statements Of Income</a></td>
        <td class="text"><div> <div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 21. Quarterly Condensed Statements of Income - Unaudited</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company's quarterly net income, net income per common share and dividends per common share during 2011 and 2010 are summarized as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="39%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td width="39%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="50%" colspan="9" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011 Quarter Ended</font></b></td></tr>
<tr valign="bottom"><td width="39%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">March 31</font></b></td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">June 30</font></b></td>
<td style="border-bottom: #000000 3px double;" width="14%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">September 30</font></b></td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31</font></b></td></tr>
<tr valign="bottom"><td width="39%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="22%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands, except per share amounts)</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total interest and dividend income</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,839</font></td>
<td style="text-indent: 3px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,864</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,920</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,948</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net interest income after provision for loan losses</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,672</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,706</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,682</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,956</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Noninterest income</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,405</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,542</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,394</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,244</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Noninterest expenses</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,504</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,444</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,567</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,393</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Income before income taxes</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,573</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,804</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,509</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">807</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net income</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,167</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,323</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,139</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">693</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net income per common share, basic</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.36</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.40</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.34</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.21</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net income per common share, diluted</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.36</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.40</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.34</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.21</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Dividends per common share</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.18</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.18</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.18</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.18</font></td></tr>
<tr><td width="89%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td width="39%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="50%" colspan="9" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010 Quarter Ended</font></b></td></tr>
<tr valign="bottom"><td width="39%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">March 31</font></b></td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">June 30</font></b></td>
<td style="border-bottom: #000000 3px double;" width="14%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">September 30</font></b></td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31</font></b></td></tr>
<tr valign="bottom"><td width="39%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="22%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands, except per share amounts)</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total interest and dividend income</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,844</font></td>
<td style="text-indent: 3px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,934</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,950</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,061</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net interest income after provision for loan losses</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,879</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,785</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,721</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,549</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Noninterest income</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,364</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,383</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,475</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,277</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Noninterest expenses</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,058</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,105</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,290</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,356</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Income before income taxes</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,185</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,063</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(94</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">470</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net income</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,578</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,485</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">81</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">461</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net income per common share, basic</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.49</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.46</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.02</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.14</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net income per common share, diluted</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.49</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.46</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.02</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.14</font></td></tr>
<tr valign="bottom"><td width="39%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Dividends per common share</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.17</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.17</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.17</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.18</font></td></tr></table></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the quarterly financial data in the annual financial statements.  The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section G<br><br> -Subsection 1<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 270<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6372559&amp;loc=d3e725-108305<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 28<br><br> -Paragraph 23, 24<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 270<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6372559&amp;loc=d3e765-108305<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 28<br><br> -Paragraph 30<br><br> -Subparagraph a-j<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-K (SK)<br><br> -Number 229<br><br> -Section 302<br><br> -Paragraph a<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 270<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)-(j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952194&amp;loc=d3e1280-108306<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_QuarterlyFinancialInformationTextBlock</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Subsequent Events<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubsequentEventsAbstract', window );"><strong>Subsequent Events [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SubsequentEventsTextBlock', window );">Subsequent Events</a></td>
        <td class="text"><div> <div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 23. Subsequent Events</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company has evaluated events and transactions subsequent to December 31, 2011 but before the financial statements are issued. Based on definitions and requirements of Generally Accepted Accounting Principles for "Subsequent Events", the Company has not identified any subsequent events that require adjustment to, or disclosure in, the financial statements.</font></p></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for significant events or transactions that occurred after the balance sheet date through the date the financial statements were issued or the date the financial statements were available to be issued. Examples include: the sale of a capital stock issue, purchase of a business, settlement of litigation, catastrophic loss, significant foreign exchange rate changes, loans to insiders or affiliates, and transactions not in the ordinary course of business.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Condensed Financial Information - Parent Company Only<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
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      </tr>
      <tr class="ro">
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        <td class="text"><div> <div>

<div>

<p style="text-align: center;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 24. Condensed Financial Information &#8211; Parent Company Only</font></b></p>

<p style="text-align: center;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Balance Sheets December 31, 2011 and 2010 (dollars in thousands)</font></b></p>

<div>

<table style="width: 800px; height: 540px;" border="0" cellspacing="0">
<tr><td width="73%"> </td>
<td width="2%"> </td>
<td width="11%"> </td>
<td width="2%"> </td>
<td width="11%"> </td></tr>
<tr valign="bottom"><td width="73%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="13%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td></tr>
<tr valign="bottom"><td width="73%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Assets</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash held in subsidiary bank</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">313</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">164</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Due from banks</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">503</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">502</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities available for sale</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,165</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,793</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Investment in subsidiaries, at cost, plus undistributed net income</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">59,157</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">54,251</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Investment in limited partnership</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other assets</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">777</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">536</font></td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total assets</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">65,915</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">61,246</font></td></tr>
<tr><td width="99%" colspan="5">&nbsp;</td></tr>
<tr valign="bottom"><td width="73%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Liabilities and Shareholders' Equity</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Trust preferred capital notes</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,217</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,217</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other liabilities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">608</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">200</font></td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total liabilities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,825</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,417</font></td></tr>
<tr><td width="99%" colspan="5">&nbsp;</td></tr>
<tr valign="bottom"><td width="73%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Shareholders' Equity</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Preferred stock</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Common stock</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8,217</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8,124</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Surplus</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9,568</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9,076</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Retained earnings</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">37,374</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">35,419</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accumulated other comprehensive income</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,931</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,210</font></td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total shareholders' equity</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">58,090</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">53,829</font></td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="73%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total liabilities and shareholders' equity</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">65,915</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">61,246</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: center;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Income Years Ended December 31, 2011, 2010, and 2009 (dollars in thousands)</font></b></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="47%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="47%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center">&nbsp;<b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center">&nbsp;<b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="47%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Income</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Dividends from subsidiary bank</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,600</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,500</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,200</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest and dividends on securities available for sale</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">313</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">368</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">384</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(Loss) on equity investments</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other income (loss)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(108</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(40</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total income</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,805</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,884</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,544</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr><td width="102%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td width="47%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Expenses</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest expense on borrowings</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">317</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">316</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">319</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other operating expenses</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">179</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">112</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">115</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total expenses</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">496</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">428</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">434</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr><td width="102%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Income before income tax (benefit) and equity</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 12px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">in undistributed net income of subsidiary bank</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,309</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,456</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,110</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr><td width="102%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td width="47%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Income Tax (Benefit)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(122</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(41</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(52</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr><td width="102%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Income before equity in undistributed</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 12px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">net income of subsidiary bank</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,431</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,497</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,162</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr><td width="102%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td width="47%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity in Undistributed Net Income of Subsidiary Bank</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,891</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,108</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,279</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net income</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,322</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,605</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,441</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: center;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">EAGLE FINANCIAL SERVICES, INC. (Parent Company Only) Statements of Cash Flows Years Ended December 31, 2011, 2010, and 2009 (dollars in thousands)</font></b></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="47%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="3%"> </td></tr>
<tr valign="bottom"><td width="47%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center">&nbsp;<b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center">&nbsp;<b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="47%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash Flows from Operating Activities</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net Income</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,322</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,605</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,441</font></td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Adjustments to reconcile net income to net</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">cash provided by operating activities</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 5px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(Loss) on securities</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">96</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Stock-based compensation expense</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">166</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">116</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">165</font></td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(Discount accretion) premium amortization on securities</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(2</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(1</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1</font></td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Undistributed earnings of subsidiary bank</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(2,891</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(2,108</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(2,279</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Changes in assets and liabilities:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(Increase) in other assets</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(91</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(24</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(7</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 7px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(Decrease) increase in other liabilities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(4</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net cash provided by operating activities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,596</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,591</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,322</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td></tr>
<tr><td width="103%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td width="47%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash Flows from Investing Activities</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Proceeds from maturities of securities available for sale</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">500</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">406</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net cash provided by investing activities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">500</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">406</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td></tr>
<tr><td width="103%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td width="47%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash Flows from Financing Activities</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash dividends paid</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(1,764</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(1,645</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(1,587</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Issuance of common stock, employee benefit plan</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">89</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">76</font></td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Retirement of common stock</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(271</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net cash (used in) financing activities</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(1,946</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(1,645</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(1,511</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 9px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Increase (decrease) in cash</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">150</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">352</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(189</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr><td width="103%" colspan="10">&nbsp;</td></tr>
<tr valign="bottom"><td width="47%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash</font></b></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Beginning</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">666</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">314</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">503</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="47%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Ending</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">816</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">666</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">314</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td></tr></table></div>

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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Nature Of Banking Activities And Significant Accounting Policies<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract', window );"><strong>Nature Of Banking Activities And Significant Accounting Policies [Abstract]</strong></a></td>
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        <td class="text"><div> <div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 1. Nature of Banking Activities and Significant Accounting Policies</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Eagle Financial Services, Inc. and Subsidiaries (the "Company" or "Corporation") grant commercial, financial, agricultural, residential and consumer loans to customers in Virginia and the Eastern Panhandle of West Virginia. The loan portfolio is well diversified and generally is collateralized by assets of the customers. The loans are expected to be repaid from cash flows or proceeds from the sale of selected assets of the borrowers.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The accounting and reporting policies of the Company conform to accounting principles generally accepted in the United States of America and to accepted practices within the banking industry.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Principles of Consolidation</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company owns 100% of Bank of Clarke County (the "Bank") and Eagle Financial Statutory Trust II. The consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries. All significant intercompany accounts and transactions between the Company and the Bank have been eliminated. Eagle Financial Statutory Trust II is accounted for under the provisions of GAAP. The subordinated debt of Eagle Financial Statutory Trust II is reflected as a liability of the Company.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Trust Assets</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities and other property held by the Eagle Investment Group in a fiduciary or agency capacity are not assets of the Company and are not included in the accompanying consolidated financial statements.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash and Cash Equivalents</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">For purposes of reporting cash flows, cash and cash equivalents include cash on hand, amounts due from banks, federal funds sold, and interest bearing deposits. Generally, federal funds are purchased and sold for one-day periods.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Debt securities that management has the positive intent and ability to hold to maturity are classified as "held to maturity" and recorded at amortized cost. Securities not classified as held to maturity, including equity securities with readily determinable fair values, are classified as "available for sale" and recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Purchase premiums and discounts are recognized in interest income using the interest method over the terms of the securities. Declines in the fair value of held to maturity and available for sale securities below their cost that are deemed to be "other than temporary" are reflected in earnings as realized losses. In estimating "other than temporary" impairment losses, management considers (1) the length of time and the extent to which the fair value has been less than cost, (2) the financial condition and near-term prospects of the issuer, and (3) the intent and ability of the Company to retain its investment in the issuer for a period of time sufficient to allow for any anticipated recovery of fair value. Gains and losses on the sale of securities are recorded on the trade date and are determined using the specific identification method.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Bank is required to maintain an investment in the capital stock of certain correspondent banks. No readily available market exists for this stock and it has no quoted market value. The investment in these securities is recorded at cost and they are reported on the Company's consolidated balance sheet as restricted investments.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Loans</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company grants mortgage, commercial and consumer loans to customers. A substantial portion of the loan portfolio is represented by mortgage loans throughout the Counties of Clarke and Frederick, Virginia and the City of Winchester, Virginia. The ability of the Company's debtors to honor their contracts is dependent upon the real estate and general economic conditions in this area.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Loans that management has the intent and ability to hold for the foreseeable future or until maturity or pay-off generally are reported at their outstanding unpaid principal balances adjusted for the allowance for loan losses. Interest income is accrued on the unpaid principal balance. Loan origination and commitment fees and direct loan costs are being recognized as collected and incurred. The use of this method of recognition does not produce results that are materially different from results which would have been produced if such costs and fees were deferred and amortized as an adjustment of the loan yield over the life of the related loan.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The accrual of interest on mortgage and commercial loans is discontinued at the time the loan is 90 days delinquent unless the credit is well-secured and in process of collection. Credit card loans and other personal loans are typically charged off no later than 180 days past due. Past due status is based on the contractual terms of the loan. In all cases, loans are placed on nonaccrual or charged-off at an earlier date if collection of principal and interest is considered doubtful.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">All interest accrued but not collected for loans that are placed on nonaccrual or charged off is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Risks by Loan Portfolio Segments</font></b></p>

<p style="text-align: left;"><i><font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2">One-to-Four-Family Residential Real Estate Lending</font></i></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential mortgage loans generally are made on the basis of the borrower's ability to make repayment from employment and other income and are secured by real estate whose value tends to be readily ascertainable. As part of the application process, information is gathered concerning income, employment and credit history of the applicant. The valuation of residential collateral is provided by independent fee appraisers who have been approved by the Bank's Directors Loan Committee.</font></p>

<p style="text-align: left;"><i><font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial Real Estate Lending</font></i></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial real estate lending entails significant additional risk as compared with residential mortgage lending. Commercial real estate loans typically involve larger loan balances concentrated with single borrowers or groups of related borrowers. Additionally, the repayment of loans secured by income producing properties is typically dependent on the successful operation of a business or a real estate project and thus may be subject, to a greater extent, to adverse conditions in the real estate market or the economy, in general.</font></p>

<p style="text-align: left;"><i><font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and Land Development Lending</font></i></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">There are two characteristics of construction lending which impact its overall risk as compared to residential mortgage lending. First, there is more concentration risk due to the extension of a large loan balance through several lines of credit to a single developer or contractor. Second, there is more collateral risk due to the fact that loan funds are provided to the borrower based upon the estimated value of the collateral after completion. This could cause an inaccurate estimate of the amount needed to complete construction or an excessive loan-to-value ratio. To mitigate the risks associated with construction lending, the Bank generally limits loan amounts to 80% of the estimated appraised value of the finished home.</font></p>

<p style="text-align: left;"><i><font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial and Industrial Lending</font></i></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial business loans generally have more risk than residential mortgage loans, but have higher yields. To manage these risks, the Bank generally obtains appropriate collateral and personal guarantees from the borrower's principal owners and monitors the financial condition of the borrower. Commercial business loans typically are made on the basis of the borrower's ability to make repayment from cash flow from its business and are secured by business assets, such as commercial real estate, accounts receivable, equipment and inventory. As a result, the availability of funds for the repayment of commercial business loans is substantially dependent on the success of the business itself. Furthermore, the collateral for commercial business loans may depreciate over time and generally cannot be appraised with as much precision as residential real estate.</font></p>

<p style="text-align: left;"><i><font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2">Consumer Lending</font></i></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Consumer loans generally entail greater risk than residential mortgage loans, particularly in the case of consumer loans which are unsecured or secured by rapidly depreciable assets such as automobiles. In such cases, any repossessed collateral on a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance as a result of the greater likelihood of damage, loss or depreciation.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Allowance for Loan Losses</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The allowance for loan losses is established as losses are estimated to have occurred through a provision for loan losses charged to earnings. Loan losses are charged against the allowance when management believes the uncollectibility of a loan balance is confirmed. Subsequent recoveries, if any, are credited to the allowance. The allowance for loan losses is evaluated on a regular basis by management and is based upon management's periodic review of the collectibility of the loans in light of historical experience, the nature and volume of the loan portfolio, adverse situations that may affect the borrower's ability to repay, estimated value of any underlying collateral and prevailing economic conditions. This evaluation is inherently subjective as it requires estimates that are susceptible to significant revision as more information becomes available.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The allowance consists of specific, general and unallocated components. The specific component relates to loans that are classified using an internal loan grading system. For loans that are also classified as impaired, an allowance is established when the discounted cash flows (or collateral value or observable market price) of the impaired loan is lower than the carrying value of that loan. The general component covers non-classified loans and is based on historical loss experience and other qualitative factors. An unallocated component is maintained to cover uncertainties that could affect management's estimate of probable losses. The unallocated component of the allowance reflects the margin of imprecision inherent in the underlying assumptions used in the methodologies for estimating specific and general losses in the portfolio.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">A loan is considered impaired when, based on current information and events, it is probable that the Company will be unable to collect the scheduled payments of principal or interest when due according to the contractual terms of the loan agreement. Factors considered by management in determining impairment include payment status, collateral value, and the probability of collecting scheduled principal and interest payments when due. Loans that experience insignificant payment delays and payment shortfalls generally are not classified as impaired. Management determines the significance of payment delays and payment shortfalls on a case-by-case basis, taking into consideration all of the circumstances surrounding the loan and the borrower, including the length of the delay, the reasons for the delay, the borrower's prior payment record, and the amount of the shortfall in relation to the principal and interest owed. Impairment is measured on a loan-by-loan basis for commercial and construction loans by either the present value of expected future cash flows discounted at the loan's effective interest rate, the loan's obtainable market price, or the fair market value less estimated liquidation costs of the collateral if the loan is collateral dependent. Large groups of smaller balance homogeneous loans are collectively evaluated for impairment. Accordingly, the Company does not separately identify individual consumer and residential loans for impairment disclosures, unless such loans are the subject of a restructuring agreement.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank Premises and Equipment</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Land is carried at cost. Buildings and equipment are carried at cost, less accumulated depreciation computed on the straight-line method over the estimated useful lives of the assets. Estimated useful lives range from 10 to 39 years for buildings and 3 to 10 years for furniture and equipment.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Other Real Estate Owned</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Assets acquired through, or in lieu of, loan foreclosure are held for sale and are initially recorded at the lesser of the fair value of the property, less selling costs or the loan balance outstanding at the date of foreclosure. Any write-downs based on the asset's fair value at the date of acquisition are charged to the allowance for loan losses. After foreclosure, valuations are periodically performed by management and property held for sale is carried at the lower of the new cost basis or fair value less cost to sell. Impairment losses on property to be held and used are measured as the amount by which the carrying amount of a property exceeds its fair value. Costs of significant property improvements are capitalized, whereas costs relating to holding property are expensed. The portion of interest costs relating to development of real estate is capitalized. Valuations are periodically performed by management, and any subsequent write-downs are recorded as a charge to operations, if necessary, to reduce the carrying value of a property to the lower of its cost or fair value less cost to sell. Revenue and expenses from operations and changes in the valuation allowance are included in net expenses from foreclosed assets.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Core Deposit Intangible Assets</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Acquired intangible assets, such as the value of purchased core deposits, are amortized over the periods benefited, not exceeding fifteen years. The book value of the Company's core deposit intangible asset, resulting from a branch acquisition, was fully amortized at December 31, 2010.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Retirement Plans</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company had a non-contributory defined benefit pension plan that covers eligible employees. Effective December 31, 2006, the pension plan was amended so that no further benefits would accrue under the plan and no additional employees could become participants. The plan was terminated during 2011 after receiving final approval. Refer to Note 10 for a description of the termination of the Company's pension plan. The Company also sponsors a 401(k) savings plan under which eligible employees may defer a portion of their compensation on a pretax basis. The Company also provides a match to participants in this plan, as described more fully in Note 12.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Stock-Based Compensation Plan</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">During 2003, the Company's shareholders approved a stock incentive plan which allows key employees and directors to increase their personal financial interest in the Company. This plan permits the issuance of incentive stock options and non-qualified stock options and the award of stock appreciation rights, common stock, restricted stock, and phantom stock. The plan, as adopted, authorized the issuance of up to 300,000 shares of common stock. This plan is discussed more fully in Note 11.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Income Taxes</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various assets and liabilities and gives current recognition to changes in tax rates and laws.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">When tax returns are filed, it is likely that some positions taken would be sustained upon examination by the applicable taxing authority, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, the Company believes it is "more likely than not" that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the "more likely than not" recognition threshold are measured as the largest amount of tax benefit that is more than fifty percent (50%) likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above is reflected as a liability for unrecognized tax benefits in the balance sheet along with any associated interest and penalties that would be payable to the applicable taxing authority upon examination. Interest and penalties associated with unrecognized tax benefits are classified as additional income taxes in the statement of income. The Company has no uncertain tax positions.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Advertising</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company follows the policy of charging the costs of advertising to expense as incurred.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Reclassifications</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Certain reclassifications have been made to the 2010 financial statements to conform to reporting for 2011.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Earnings Per Common Share</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Basic earnings per share represents income available to common shareholders divided by the weighted average number of common shares outstanding during the period. Diluted earnings per share reflects additional common shares that would have been outstanding if dilutive potential common shares had been issued, as well as any adjustment to income that would result from the assumed issuance. The number of potential common shares is determined using the treasury method and relates to outstanding stock options and nonvested restricted stock grants.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following table shows the weighted average number of shares used in computing earnings per share and the effect on the weighted average number of shares of dilutive potential common stock. Potential dilutive common stock had no effect on income available to common shareholders.</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="45%"> </td>
<td width="18%"> </td>
<td width="17%"> </td>
<td width="17%"> </td></tr>
<tr valign="bottom"><td width="45%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="17%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="17%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td></tr>
<tr><td width="97%" colspan="4">&nbsp;</td></tr>
<tr valign="bottom"><td width="45%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Average number of common shares outstanding</font></td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,292,290</font></td>
<td width="17%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,243,292</font></td>
<td width="17%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,177,244</font></td></tr>
<tr valign="bottom"><td width="45%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Effect of dilutive common stock</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,708</font></td>
<td style="border-bottom: #000000 3px double;" width="17%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,576</font></td>
<td style="border-bottom: #000000 3px double;" width="17%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,290</font></td></tr>
<tr valign="bottom"><td width="45%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Average number of common shares outstanding</font></td>
<td width="18%" align="left">&nbsp;</td>
<td width="17%" align="left">&nbsp;</td>
<td width="17%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="45%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">used to calculate diluted earnings per share</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,299,998</font></td>
<td style="border-bottom: #000000 3px double;" width="17%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,250,868</font></td>
<td style="border-bottom: #000000 3px double;" width="17%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,184,534</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Comprehensive Income</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accounting principles generally accepted in the United States of America require that recognized revenue, expenses, gains and losses be included in net income. Certain changes in assets and liabilities, net of income taxes, are reported within the balance sheet as a separate component of shareholders' equity. These changes, along with net income, are components of comprehensive income and are reported in the statement of shareholders' equity. In addition to net income, the Company's other comprehensive income includes changes in the benefit obligations and plan assets for defined benefit and postretirement benefit plans, unrealized gains or losses on interest rate swaps, and unrealized gains or losses on available for sale securities.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The components of the change in unrealized gains (losses) on securities during 2011, 2010 and 2009 were as follows:</font></p>

<div>

<table style="width: 759px; height: 171px;" border="0" cellspacing="0">
<tr><td width="45%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="45%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="45%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Gross unrealized gain</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,669</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">274</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,495</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="45%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Reclassification adjustment for realized (gain) loss</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(67</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(98</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">419</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="45%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net unrealized gain (loss) before taxes</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,602</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">176</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,914</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="45%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Tax effect</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(885</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(60</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(991</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td width="45%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,717</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">116</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,923</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The components of accumulated other comprehensive income, net of deferred taxes, during 2011, 2010, and 2009 were as follows:</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Change in</font></b></p>

<div>

<table style="width: 728px; height: 240px;" border="0" cellspacing="0">
<tr><td width="22%"> </td>
<td width="3%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="3%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="3%"> </td>
<td width="10%"> </td>
<td width="3%"> </td>
<td width="3%"> </td>
<td width="9%"> </td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Unrealized</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Market</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Defined</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Post</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="9%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Gain</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Value</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Benefit</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Retirement</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="9%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Loss) on</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">of Interest</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Pension</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Benefit</font></b></td>
<td width="3%" align="center">&nbsp;</td>
<td width="3%" align="center">&nbsp;</td>
<td width="9%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Rate Swap</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Plan</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Plan</font></b></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="9%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Total</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance, December 31, 2009</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,429</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">162</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(559</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">60</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,902</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2010 Change</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">116</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(273</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">272</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">118</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance, December 31, 2010</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,545</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(111</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(287</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">63</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="3%" align="left">&nbsp;</td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,210</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2011 Change</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,717</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(271</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">287</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(12</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,721</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance, December 31, 2011</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,262</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(382</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">51</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,931</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Derivative Financial Instruments</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company follows GAAP to account for derivative and hedging activities. Accordingly, a derivative is recognized in the balance sheet at its fair value. The fair value of a derivative is determined by quoted market prices and mathematical models using current and historical data. If certain hedging criteria are met, including testing for hedge effectiveness, special hedge accounting may be applied. The Company assesses each hedge, both at inception and on an ongoing basis, to determine whether the derivative used in a hedging transaction is effective in offsetting changes in the fair value or cash flows of the hedged item and whether the derivative is expected to remain effective during subsequent periods. The Company discontinues hedge accounting when (a) it determines that a derivative is no longer effective in offsetting changes in fair value or cash flows of a hedged item; (b) the derivative expires or is sold, terminated or exercised; (c) probability exists that the forecasted transaction will no longer occur or (d) management determines that designating the derivative as a hedging instrument is no longer appropriate. When hedge accounting is discontinued and a derivative remains outstanding, the Company recognizes the derivative in the balance sheet at its fair value and changes in the fair value are recognized in net income.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">At inception, the Company designates a derivative as (a) a fair value hedge of recognized assets or liabilities or of unrecognized firm commitments (fair-value hedge) or (b) a hedge of forecasted transactions or variable cash flows to be received or paid in conjunction with recognized assets or liabilities (cash-flow hedge). For a derivative treated as a fair-value hedge, a change in fair value is recorded as an adjustment to the hedged item and recognized in net income. For a derivative treated as a cash flow hedge, the effective portion of a change in fair value is recorded as an adjustment to the hedged item and recognized as a component of accumulated other comprehensive income (loss) within shareholders' equity. For a derivative treated as a cash flow hedge, the ineffective portion of a change in fair value is recorded as an adjustment to the hedged item and recognized in net income. For more information on derivative financial instruments see Note 14 to the Consolidated Financial Statements.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Use of Estimates</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and the valuation of deferred tax assets.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Stock Repurchase Program</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">On September 19, 2011, the Corporation announced a Stock Repurchase Program to repurchase up to 150,000 shares of its common stock prior to June 30, 2012. During 2011, the Company purchased 15,663 shares of its Common Stock under its stock repurchase program at an average price of $17.28. The maximum number of shares that may yet be purchased under the plan as of December 31, 2011 are 134,337.</font></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Recent Accounting Pronouncements</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In January 2010, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update (ASU) 2010-06, "Fair Value Measurements and Disclosures (Topic 820): Improving Disclosures about Fair Value Measurements." ASU 2010-06 amends Subtopic 820-10 to clarify existing disclosures, require new disclosures, and includes conforming amendments to guidance on employers' disclosures about postretirement benefit plan assets. ASU 2010-06 is effective for interim and annual periods beginning after December 15, 2009, except for disclosures about purchases, sales, issuances, and settlements in the roll forward of activity in Level 3 fair value measurements. Those disclosures are effective for fiscal years beginning after December 15, 2010 and for interim periods within those fiscal years. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In July 2010, the FASB issued ASU 2010-20, "Receivables (Topic 310) &#8211; Disclosures about the Credit Quality of Financing Receivables and the Allowance for Credit Losses." The new disclosure guidance significantly expands the existing requirements and will lead to greater transparency into a company's exposure to credit losses from lending arrangements. The extensive new disclosures of information as of the end of a reporting period became effective for both interim and annual reporting periods ending on or after December 15, 2010. Specific disclosures regarding activity that occurred before the issuance of the ASU, such as the allowance roll forward and modification disclosures, will be required for periods beginning on or after December 15, 2010. The Company has included the required disclosures in its consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In December 2010, the FASB issued ASU 2010-28, "Intangible &#8211; Goodwill and Other (Topic 350) &#8211; When to Perform Step 2 of the Goodwill Impairment Test for Reporting Units with Zero or Negative Carrying Amounts." The amendments in this ASU modify Step 1 of the goodwill impairment test for reporting units with zero or negative carrying amounts. For those reporting units, an entity is required to perform Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. The amendments in this ASU are effective for fiscal years, and interim periods within those years, beginning after December 15, 2010. Early adoption is not permitted. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In December 2010, the FASB issued ASU 2010-29, "Business Combinations (Topic 805) &#8211; Disclosure of Supplementary Pro Forma Information for Business Combinations." The guidance requires pro forma disclosure for business combinations that occurred in the current reporting period as though the acquisition date for all business combinations that occurred during the year had been as of the beginning of the annual reporting period. If comparative financial statements are presented, the pro forma information should be reported as though the acquisition date for all business combinations that occurred during the current year had been as of the beginning of the comparable prior annual reporting period. ASU 2010-29 is effective for business combinations for which the acquisition date is on or after the beginning of the first annual reporting period beginning on or after December 15, 2010. Early adoption is permitted. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Securities Exchange Commission (SEC) issued Final Rule No. 33-9002, "Interactive Data to Improve Financial Reporting." The rule requires companies to submit financial statements in extensible business reporting language (XBRL) format with their SEC filings on a phased-in schedule. Large accelerated filers and foreign large accelerated filers using U.S. GAAP were required to provide interactive data reports starting with their first quarterly report for fiscal periods ending on or after June 15, 2010. All remaining filers are required to provide interactive data reports starting with their first quarterly report for fiscal periods ending on or after June 15, 2011. The Company complied with this Rule beginning with the filing of the June 30, 2011 Form 10-Q.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In March 2011, the SEC issued Staff Accounting Bulletin (SAB) 114. This SAB revises or rescinds portions of the interpretive guidance included in the codification of the Staff Accounting Bulletin Series. This update is intended to make the relevant interpretive guidance consistent with current authoritative accounting guidance issued as a part of the FASB's Codification. The principal changes involve revision or removal of accounting guidance references and other conforming changes to ensure consistency of referencing through the SAB Series. The effective date for SAB 114 was March 28, 2011. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In January 2011, the FASB issued ASU 2011-01, "Receivables (Topic 310) &#8211; Deferral of the Effective Date of Disclosures about Troubled Debt Restructurings." The amendments in this ASU temporarily delayed the effective date of the disclosures about troubled debt restructurings in Update 2010-20 for public entities. The delay was intended to allow the Board time to complete its deliberations on what constitutes a troubled debt restructuring. The effective date of the new disclosures about troubled debt restructurings for public entities and the guidance for determining what constitutes a troubled debt restructuring was effective for interim and annual periods ending after June 15, 2011. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In April 2011, the FASB issued ASU 2011-02, "Receivables (Topic 310) &#8211; A Creditor's Determination of Whether a Restructuring Is a Troubled Debt Restructuring." The amendments in this ASU clarify the guidance on a creditor's evaluation of whether it has granted a concession to a debtor. They also clarify the guidance on a creditor's evaluation of whether a debtor is experiencing financial difficulty. The amendments in this ASU are effective for the first interim or annual period beginning on or after June 15, 2011. Early adoption is permitted. Retrospective application to the beginning of the annual period of adoption for modifications occurring on or after the beginning of the annual adoption period is required. As a result of applying these amendments, an entity may identify receivables that are newly considered to be impaired. For purposes of measuring impairment of those receivables, an entity should apply the amendments prospectively for the first interim or annual period beginning on or after June 15, 2011. The Company has adopted ASU 2011-02 and included the required disclosures in its consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In April 2011, the FASB issued ASU 2011-03, "Transfers and Servicing (Topic 860) &#8211; Reconsideration of Effective Control for Repurchase Agreements." The amendments in this ASU remove from the assessment of effective control (1) the criterion requiring the transferor to have the ability to repurchase or redeem the financial assets on substantially the agreed terms, even in the event of default by the transferee and (2) the collateral maintenance implementation guidance related to that criterion. The amendments in this ASU are effective for the first interim or annual period beginning on or after December 15, 2011. The guidance should be applied prospectively to transactions or modifications of existing transactions that occur on or after the effective date. Early adoption is not permitted. The adoption of the new guidance is not expected to have a material impact on the Company's consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In May 2011, the FASB issued ASU 2011-04, "Fair Value Measurement (Topic 820) &#8211; Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs." This ASU is the result of joint efforts by the FASB and IASB to develop a single, converged fair value framework on how (not when) to measure fair value and what disclosures to provide about fair value measurements. The ASU is largely consistent with existing fair value measurement principles in U.S. GAAP (Topic 820), with many of the amendments made to eliminate unnecessary wording differences between U.S. GAAP and IFRSs. The amendments are effective for interim and annual periods beginning after December 15, 2011 with prospective application. Early application is not permitted. The adoption of the new guidance is not expected to have a material impact on the Company's consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In June 2011, the FASB issued ASU 2011-05, "Comprehensive Income (Topic 220) &#8211; Presentation of Comprehensive Income." The objective of this ASU is to improve the comparability, consistency and transparency of financial reporting and to increase the prominence of items reported in other comprehensive income by eliminating the option to present components of other comprehensive income as part of the statement of changes in stockholders' equity. The amendments require that all non-owner changes in stockholders' equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. The single statement of comprehensive income should include the components of net income, a total for net income, the components of other comprehensive income, a total for other comprehensive income, and a total for comprehensive income. In the two-statement approach, the first statement should present total net income and its components followed consecutively by a second statement that should present all the components of other comprehensive income, a total for other comprehensive income, and a total for comprehensive income. The amendments do not change the items that must be reported in other comprehensive income, the option for an entity to present components of other comprehensive income either net of related tax effects or before related tax effects, or the calculation or reporting of earnings per share. The amendments in this ASU should be applied retrospectively. The amendments are effective for fiscal years and interim periods within those years beginning after December 15, 2011. Early adoption is permitted because compliance with the amendments is already permitted. The amendments do not require transition disclosures. The Company is currently assessing the impact that ASU 2011-05 will have on its consolidated financial statements</font><i><font style="font-family: TimesNewRomanPS-ItalicMT,Times New Roman,Times,serif;" class="_mt" size="2">.</font></i></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In August 2011, the SEC issued Final Rule No. 33-9250, "Technical Amendments to Commission Rules and Forms related to the FASB's Accounting Standards Codification." The SEC has adopted technical amendments to various rules and forms under the Securities Act of 1933, the Securities Exchange Act of 1934, and the Investment Company Act of 1940. These revisions were necessary to conform those rules and forms to the FASB Accounting Standards Codification. The technical amendments include revision of certain rules in Regulation S-X, certain items in Regulation S-K, and various rules and forms prescribed under the Securities Act, Exchange Act and Investment Company Act. The Release was effective as of August 12, 2011. The adoption of the new guidance did not have a material impact on the Company's consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In September 2011, the FASB issued ASU 2011-08, "Intangible &#8211; Goodwill and Other (Topic 350) &#8211; Testing Goodwill for Impairment." The amendments in this ASU permit an entity to first assess qualitative factors related to goodwill to determine whether it is more likely than not that the fair value of the reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill test described in Topic 350. The more-likely-than-not threshold is defined as having a likelihood of more than 50 percent. Under the amendments in this ASU, an entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that its fair value is less than its carrying amount. The amendments in this ASU are effective for annual and interim goodwill impairment tests performed for fiscal years beginning after December 15, 2011. Early adoption is permitted, including for annual and interim goodwill impairment tests performed as of a date before September 15, 2011, if an entity's financial statements for the most recent annual or interim period have not yet been issued. The adoption of the new guidance is not expected to have a material impact on the Company's consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In December 2011, the FASB issued ASU 2011-11, "Balance Sheet (Topic 210) &#8211; Disclosures about Offsetting Assets and Liabilities." This ASU requires entities to disclose both gross information and net information about both instruments and transactions eligible for offset in the balance sheet, and instruments and transactions subject to an agreement similar to a master netting arrangement. An entity is required to apply the amendments for annual reporting periods beginning on or after January 1, 2013, and interim periods within those annual periods. An entity should provide the disclosures required by those amendments retrospectively for all comparative periods presented. The Company is currently assessing the impact that ASU 2011-11 will have on its consolidated financial statements.</font></p>

<p style="text-align: left;"> </p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In December 2011, the FASB issued ASU 2011-12, "Comprehensive Income (Topic 220) &#8211; Deferral of the Effective Date for Amendments to the Presentation of Reclassifications of Items Out of Accumulated Other Comprehensive Income in Accounting Standards Update No. 2011-05." The amendments are being made to allow the Board time to redeliberate whether to present on the face of the financial statements the effects of reclassifications out of accumulated other comprehensive income on the components of net income and other comprehensive income for all periods presented. While the Board is considering the operational concerns about the presentation requirements for reclassification adjustments and the needs of financial statement users for additional information about reclassification adjustments, entities should continue to report reclassifications out of accumulated other comprehensive income consistent with the presentation requirements in effect before Update 2011-05. All other requirements in Update 2011-05 are not affected by this Update, including the requirement to report comprehensive income either in a single continuous financial statement or in two separate but consecutive financial statements. Public entities should apply these requirements for fiscal years, and interim periods within those years, beginning after December 15, 2011. Nonpublic entities should begin applying these requirements for fiscal years ending after December 15, 2012, and interim and annual periods thereafter. The Company is currently assessing the impact that ASU 2011-12 will have on its consolidated financial statements.</font></p></div> </div><span></span></td>
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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 915<br><br> -SubTopic 235<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6472506&amp;loc=d3e38932-110933<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2122150<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6359553&amp;loc=d3e288-107754<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2197480<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EQGAG">
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          <div style="width: 200px;"><strong>Consolidated Balance Sheets (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from banks</a></td>
        <td class="nump">$ 7,610<span></span></td>
        <td class="nump">$ 6,884<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest-bearing deposits with other institutions</a></td>
        <td class="nump">14,331<span></span></td>
        <td class="nump">7,086<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashCashEquivalentsAndFederalFundsSold', window );">Total cash and cash equivalents</a></td>
        <td class="nump">21,941<span></span></td>
        <td class="nump">13,970<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Securities available for sale, at fair value</a></td>
        <td class="nump">114,134<span></span></td>
        <td class="nump">109,794<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedInvestments', window );">Restricted investments</a></td>
        <td class="nump">3,520<span></span></td>
        <td class="nump">3,982<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans, net of allowance for loan losses of $8,743 in 2011 and $7,111 in 2010</a></td>
        <td class="nump">401,681<span></span></td>
        <td class="nump">401,338<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Bank premises and equipment, net</a></td>
        <td class="nump">15,200<span></span></td>
        <td class="nump">15,712<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RealEstateAcquiredThroughForeclosure', window );">Other real estate owned</a></td>
        <td class="nump">2,378<span></span></td>
        <td class="nump">1,783<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">9,168<span></span></td>
        <td class="nump">12,261<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">568,022<span></span></td>
        <td class="nump">558,840<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>Liabilities and Shareholders' Equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilitiesDomestic', window );">Noninterest bearing demand deposits</a></td>
        <td class="nump">107,237<span></span></td>
        <td class="nump">98,256<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_SavingsAndInterestBearingDemandDeposits', window );">Savings and interest bearing demand deposits</a></td>
        <td class="nump">210,158<span></span></td>
        <td class="nump">184,548<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TimeDeposits', window );">Time deposits</a></td>
        <td class="nump">131,070<span></span></td>
        <td class="nump">146,492<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepositsDomestic', window );">Total deposits</a></td>
        <td class="nump">448,465<span></span></td>
        <td class="nump">429,296<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase', window );">Federal funds purchased and securities sold under agreements to repurchase</a></td>
        <td class="nump">10,000<span></span></td>
        <td class="nump">14,395<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdvancesFromFederalHomeLoanBanks', window );">Federal Home Loan Bank advances</a></td>
        <td class="nump">42,250<span></span></td>
        <td class="nump">52,250<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_PreferredCapitalNotesOfTrust', window );">Trust preferred capital notes</a></td>
        <td class="nump">7,217<span></span></td>
        <td class="nump">7,217<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">2,000<span></span></td>
        <td class="nump">1,853<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
        <td class="nump">509,932<span></span></td>
        <td class="nump">505,011<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' Equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock, $10 par value; 500,000 shares authorized and unissued</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, $2.50 par value; authorized 10,000,000 shares; issued 2011, 3,286,992; issued 2010, 3,249,477</a></td>
        <td class="nump">8,217<span></span></td>
        <td class="nump">8,124<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Surplus</a></td>
        <td class="nump">9,568<span></span></td>
        <td class="nump">9,076<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump">37,374<span></span></td>
        <td class="nump">35,419<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive income</a></td>
        <td class="nump">2,931<span></span></td>
        <td class="nump">1,210<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total shareholders' equity</a></td>
        <td class="nump">58,090<span></span></td>
        <td class="nump">53,829<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
        <td class="nump">$ 568,022<span></span></td>
        <td class="nump">$ 558,840<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_PreferredCapitalNotesOfTrust">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Preferred Capital Notes Of Trust</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_PreferredCapitalNotesOfTrust</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_SavingsAndInterestBearingDemandDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Savings and interest bearing demand deposits</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_SavingsAndInterestBearingDemandDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 13<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 14, 17, 26<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15D<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalPaidInCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdvancesFromFederalHomeLoanBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 15<br><br><br><br> -Paragraph 37<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 18<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdvancesFromFederalHomeLoanBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br> -Section S99<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Publisher FASB<br><br><br><br> -Paragraph 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Concepts (CON)<br><br><br><br> -Number 6<br><br><br><br> -Paragraph 25<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents investments in debt and equity securities which are categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 12<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15E<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 133<br><br><br><br> -Paragraph 22<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15D<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 13<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15C<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 14<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 16<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 6<br><br><br><br> -Paragraph 1, 2, 3, 7, 11<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 1, 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1,2,3)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 8, 9, 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashCashEquivalentsAndFederalFundsSold</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositsDomestic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all domestic interest-bearing and noninterest-bearing deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositsDomestic</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount shown on the books that a bank with insufficient reserves borrows, at the federal funds rate, from another bank to meet its reserve requirements and the amount of securities that an institution sells and agrees to repurchase at a specified date for a specified price, net of any reductions or offsets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph 1<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Balance Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositsInBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6476743&amp;loc=d3e59706-112781<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 6<br><br><br><br> -Paragraph 4, 11<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositsInBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19-26)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all Liabilities and Stockholders' Equity items (or Partners' Capital, as applicable), including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 32<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.32)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 25<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquityAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio, net of unearned income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilitiesDomestic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of domestic noninterest-bearing deposits held by the entity, which may include demand deposits, checking, brokered and retail deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestBearingDepositLiabilitiesDomestic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 129<br><br><br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible assets that are held by an entity for use in the production or supply of goods and services, for rental to others, or for administrative purposes and that are expected to provide economic benefit for more than one year; net of accumulated depreciation. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph b, c<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PropertyPlantAndEquipmentNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RealEstateAcquiredThroughForeclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of land and buildings obtained through foreclosure proceedings or defeasance in full or partial satisfaction of a debt arrangement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 11<br><br><br><br> -Paragraph 2, 9, 10, 11<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4437-111522<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Paragraph c<br><br><br><br> -Subparagraph Schedule III<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 28<br><br><br><br> -Article 12<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph f<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RealEstateAcquiredThroughForeclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Investments which are not defined as or included in marketable (debt, equity, or other) securities whose use is restricted in whole or in part, generally by contractual agreements or regulatory requirements. For use in an unclassified balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RestrictedInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RetainedEarningsAccumulatedDeficit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RetainedEarningsAccumulatedDeficit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29-31)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A3<br><br><br><br> -Appendix A<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30, 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 4<br><br><br><br> -Section E<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SAB TOPIC 4.E)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquityAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TimeDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of time deposits, including certificates of deposits, individual retirement accounts and open accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TimeDeposits</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E4FAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements Of Changes In Shareholders' Equity (Parenthetical) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfStockholdersEquityAbstract', window );"><strong>Consolidated Statements Of Changes In Shareholders' Equity [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent', window );">Changes in benefit obligations and plan assets for defined benefit and post retirement benefit plans, deferred income taxes</a></td>
        <td class="nump">$ 146<span></span></td>
        <td class="nump">$ 141<span></span></td>
        <td class="nump">$ 253<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease', window );">Change in market value of interest rate swap, deferred income taxes</a></td>
        <td class="num">(140)<span></span></td>
        <td class="num">(140)<span></span></td>
        <td class="nump">160<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax', window );">Unrealized gain on available for sale securities, deferred income taxes</a></td>
        <td class="nump">$ 885<span></span></td>
        <td class="nump">$ 60<span></span></td>
        <td class="nump">$ 991<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock, stock incentive plan, shares</a></td>
        <td class="nump">9,291<span></span></td>
        <td class="nump">11,936<span></span></td>
        <td class="nump">3,509<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan', window );">Issuance of common stock, dividend investment plan, shares</a></td>
        <td class="nump">38,703<span></span></td>
        <td class="nump">37,905<span></span></td>
        <td class="nump">36,559<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan', window );">Issuance of common stock, employee benefit plan, shares</a></td>
        <td class="nump">5,184<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,530<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Retirement of common stock, shares</a></td>
        <td class="nump">15,663<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareDeclared', window );">Dividends declared, per share</a></td>
        <td class="nump">$ 0.72<span></span></td>
        <td class="nump">$ 0.69<span></span></td>
        <td class="nump">$ 0.68<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareDeclared">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate dividends declared during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockDividendsPerShareDeclared</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effects of the increase (decrease) to accumulated comprehensive income during the period related to benefit plans that is attributable to the parent entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4569616-111683<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -Subparagraph (c)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921930&amp;loc=SL4573702-111684<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4569643-111683<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansTaxPortionAttributableToParent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total tax effect of the change in accumulated gains and losses from derivative instruments designated and qualifying as the effective portion of cash flow hedges. The change includes an entity's share of an equity investee's increase or decrease in deferred hedging gains or losses. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesTaxEffectPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax effect on gross appreciation or the gross loss in value of the total of unsold securities during the period being reported on.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e640-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StatementOfStockholdersEquityAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td>duration</td>
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              </div>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares issued during the period from a dividend reinvestment plan (DRIP). A dividend reinvestment plan allows the shareholders to reinvest dividends paid to them by the entity on new issues of stock by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesDividendReinvestmentPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares issued during the period to an employee benefit plan, such as a defined contribution or defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesEmployeeBenefitPlan</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                <p>Number of shares issued during the period related to Restricted Stock Awards, net of any shares forfeited.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 4, 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Transactions With Directors And Officers<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsAbstract', window );"><strong>Transactions With Directors And Officers [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionsDisclosureTextBlock', window );">Transactions With Directors And Officers</a></td>
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<div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 15. Transactions with Directors and Officers</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Bank grants loans to and accepts deposits from its directors, principal officers and related parties of such persons during the ordinary course of business. The aggregate balance of loans to directors, principal officers and their related parties was $11,210,000 and $10,281,000 at December 31, 2011 and 2010, respectively. These balances reflect total principal additions of $5,097,000 and total principal payments of $4,168,000 during 2011. The aggregate balance of deposits from directors, principal officers and their related parties was $10,010,000 and $7,436,000 at December 31, 2011 and 2010, respectively.</font></p></div></div> </div><span></span></td>
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                <p>The entire disclosure for related party transactions, including the nature of the relationship(s), a description of the transactions, the amount of the transactions, the effects of any change in the method of establishing the terms of the transaction from the previous period, stated interest rate, expiration date, terms and manner of settlement per the agreement with the related party, and amounts due to or from related parties. If the entity and one or more other entities are under common ownership or management control and this control affects the operating results or financial position, disclosure includes the nature of the control relationship even if there are no transactions between the entities. Disclosure may also include the aggregate amount of current and deferred tax expense for each statement of earnings presented where the entity is a member of a group that files a consolidated tax return, the amount of any tax related balances due to or from affiliates as of the date of each statement of financial position presented, the principal provisions of the method by which the consolidated amount of current and deferred tax expense is allocated to the members of the group and the nature and effect of any changes in that method. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(k))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 3A<br><br> -Section 04<br><br> -Paragraph b<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 57<br><br> -Paragraph 1-4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39678-107864<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph k<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39691-107864<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39622-107864<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39603-107864<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Restrictions On Dividends, Loans And Advances<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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<div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 17. Restrictions On Dividends, Loans and Advances</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Federal and state banking regulations place certain restrictions on dividends paid and loans or advances made by the Bank to the Company. The total amount of dividends which may be paid at any date is generally limited to the lesser of the Bank's retained earnings or the three preceding years' undistributed net income of the Bank. Loans or advances are limited to 10% of the Bank's capital stock and surplus on a secured basis. In addition, dividends paid by the Bank to the Company would be prohibited if the effect thereof would cause the Bank's capital to be reduced below applicable minimum capital requirements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">At December 31, 2011, the Bank's retained earnings available for the payment of dividends to the Company was $7,278,000. Accordingly, $51,879,000 of the Company's equity in the net assets of the Bank was restricted at December 31, 2011. Funds available for loans or advances by the Bank to the Company amounted to $1,146,000 at December 31, 2011.</font></p></div></div> </div><span></span></td>
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                <p>The entire disclosure for a banking or savings institution's compliance during the year with (a) federal and state laws and regulations relative to dividend restrictions and (b) federal laws and regulations relative to insider loans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>30
<FILENAME>R7.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ESFAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements Of Cash Flows (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash Flows from Operating Activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 4,322<span></span></td>
        <td class="nump">$ 3,605<span></span></td>
        <td class="nump">$ 3,441<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Depreciation', window );">Depreciation</a></td>
        <td class="nump">843<span></span></td>
        <td class="nump">779<span></span></td>
        <td class="nump">778<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_AmortizationOfIntangibleAndOtherAssets', window );">Amortization of intangible and other assets</a></td>
        <td class="nump">91<span></span></td>
        <td class="nump">136<span></span></td>
        <td class="nump">165<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">(Gain) loss on securities</a></td>
        <td class="num">(67)<span></span></td>
        <td class="num">(98)<span></span></td>
        <td class="nump">419<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision for loan losses</a></td>
        <td class="nump">3,750<span></span></td>
        <td class="nump">6,325<span></span></td>
        <td class="nump">4,350<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainsLossesOnSalesOfAssets', window );">(Gain) loss on the sale of bank premises and equipment</a></td>
        <td class="num">(76)<span></span></td>
        <td class="nump">83<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainsLossesOnSalesOfOtherRealEstate', window );">Loss on the sale of other real estate owned</a></td>
        <td class="nump">361<span></span></td>
        <td class="nump">338<span></span></td>
        <td class="nump">26<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
        <td class="nump">166<span></span></td>
        <td class="nump">116<span></span></td>
        <td class="nump">165<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments', window );">Premium amortization (discount accretion) on securities, net</a></td>
        <td class="nump">111<span></span></td>
        <td class="nump">26<span></span></td>
        <td class="num">(26)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred tax benefit</a></td>
        <td class="num">(317)<span></span></td>
        <td class="num">(362)<span></span></td>
        <td class="num">(652)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract', window );"><strong>Changes in assets and liabilities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOtherOperatingAssets', window );">Decrease (increase) in other assets</a></td>
        <td class="nump">2,568<span></span></td>
        <td class="num">(1,676)<span></span></td>
        <td class="num">(2,118)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInOperatingLiabilities', window );">(Decrease) increase in other liabilities</a></td>
        <td class="num">(13)<span></span></td>
        <td class="nump">127<span></span></td>
        <td class="nump">128<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
        <td class="nump">11,739<span></span></td>
        <td class="nump">9,399<span></span></td>
        <td class="nump">6,676<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash Flows from Investing Activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities', window );">Proceeds from maturities and principal payments of securities available for sale and restricted investments</a></td>
        <td class="nump">40,166<span></span></td>
        <td class="nump">34,592<span></span></td>
        <td class="nump">27,530<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sales of securities available for sale</a></td>
        <td class="nump">4,849<span></span></td>
        <td class="nump">2,853<span></span></td>
        <td class="nump">1,959<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Purchases of securities available for sale</a></td>
        <td class="num">(46,798)<span></span></td>
        <td class="num">(50,180)<span></span></td>
        <td class="num">(29,302)<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfRestrictedInvestments', window );">Proceeds from the sale of restricted investments</a></td>
        <td class="nump">461<span></span></td>
        <td class="nump">417<span></span></td>
        <td class="nump">174<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireRestrictedInvestments', window );">Purchases of restricted investments</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(124)<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment', window );">Proceeds from the sale of equipment</a></td>
        <td class="nump">661<span></span></td>
        <td class="nump">43<span></span></td>
        <td class="nump">93<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchases of bank premises and equipment</a></td>
        <td class="num">(964)<span></span></td>
        <td class="num">(1,843)<span></span></td>
        <td class="num">(310)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfOtherRealEstate', window );">Proceeds from the sale of other real estate owned</a></td>
        <td class="nump">3,167<span></span></td>
        <td class="nump">2,035<span></span></td>
        <td class="nump">1,281<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Net (increase) in loans</a></td>
        <td class="num">(8,139)<span></span></td>
        <td class="num">(10,802)<span></span></td>
        <td class="num">(20,426)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash (used in) investing activities</a></td>
        <td class="num">(6,597)<span></span></td>
        <td class="num">(22,885)<span></span></td>
        <td class="num">(19,125)<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash Flows from Financing Activities</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Net increase in demand deposit, money market and savings accounts</a></td>
        <td class="nump">34,592<span></span></td>
        <td class="nump">21,743<span></span></td>
        <td class="nump">25,098<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInTimeDeposits', window );">Net (decrease) increase in certificates of deposit</a></td>
        <td class="num">(15,422)<span></span></td>
        <td class="nump">9,445<span></span></td>
        <td class="num">(13,517)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet', window );">Net (decrease) increase in federal funds purchased and securities sold under agreements to repurchase</a></td>
        <td class="num">(4,395)<span></span></td>
        <td class="nump">380<span></span></td>
        <td class="num">(677)<span></span></td>
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        <td class="num">(10,000)<span></span></td>
        <td class="num">(10,000)<span></span></td>
        <td class="num">(7,750)<span></span></td>
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        <td class="nump">89<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">76<span></span></td>
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        <td class="num">(271)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Cash dividends paid</a></td>
        <td class="num">(1,764)<span></span></td>
        <td class="num">(1,645)<span></span></td>
        <td class="num">(1,587)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by financing activities</a></td>
        <td class="nump">2,829<span></span></td>
        <td class="nump">19,923<span></span></td>
        <td class="nump">1,643<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Increase (decrease) in cash and cash equivalents</a></td>
        <td class="nump">7,971<span></span></td>
        <td class="nump">6,437<span></span></td>
        <td class="num">(10,806)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract', window );"><strong>Cash and Cash Equivalents</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Beginning</a></td>
        <td class="nump">13,970<span></span></td>
        <td class="nump">7,533<span></span></td>
        <td class="nump">18,339<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Ending</a></td>
        <td class="nump">21,941<span></span></td>
        <td class="nump">13,970<span></span></td>
        <td class="nump">7,533<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>Supplemental Disclosures of Cash Flow Information</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaid', window );">Interest</a></td>
        <td class="nump">4,885<span></span></td>
        <td class="nump">5,618<span></span></td>
        <td class="nump">6,896<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaid', window );">Income taxes</a></td>
        <td class="nump">1,100<span></span></td>
        <td class="nump">3,550<span></span></td>
        <td class="nump">1,295<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract', window );"><strong>Supplemental Schedule of Noncash Investing and Financing Activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrealizedGainLossOnInvestments', window );">Unrealized gain on securities available for sale</a></td>
        <td class="nump">2,602<span></span></td>
        <td class="nump">176<span></span></td>
        <td class="nump">2,914<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_ChangeInMarketValueOfInterestRateSwapNonCash', window );">Change in fair value of interest rate swap</a></td>
        <td class="num">(411)<span></span></td>
        <td class="num">(413)<span></span></td>
        <td class="nump">472<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueOfAssetsAcquired', window );">Other real estate acquired in settlement of loans</a></td>
        <td class="nump">4,045<span></span></td>
        <td class="nump">1,235<span></span></td>
        <td class="nump">3,546<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssued1', window );">Issuance of common stock, dividend investment plan</a></td>
        <td class="nump">$ 604<span></span></td>
        <td class="nump">$ 590<span></span></td>
        <td class="nump">$ 583<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_AmortizationOfIntangibleAndOtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amortization Of Intangible And Other Assets</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_AmortizationOfIntangibleAndOtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_ChangeInMarketValueOfInterestRateSwapNonCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of unrealized gain (loss) related to derivatives designated as cash flow hedging instruments, recorded in results of operations to the extent that the cash flow hedge is determined to be ineffective.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_ChangeInMarketValueOfInterestRateSwapNonCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_IssuanceOfCommonStockEmployeeBenefitPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Issuance of common stock, employee benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_IssuanceOfCommonStockEmployeeBenefitPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in cash and cash equivalents. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecreaseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashFlowNoncashInvestingAndFinancingActivitiesDisclosureAbstract</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The component of income tax expense for the period representing the increase (decrease) in the entity's deferred tax assets and liabilities pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 289<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredIncomeTaxExpenseBenefit</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Depreciation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Depreciation</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FairValueOfAssetsAcquired">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The fair value of assets acquired in noncash investing or financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FairValueOfAssetsAcquired</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Subparagraph h<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 3<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainsLossesOnSalesOfAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) resulting from the sale, transfer, termination, or other disposition of assets during the period, excluding transactions involving capital leases, assets-held- or available-for-lease, and other real estate owned which, to the extent appropriate, are included in gains (losses) on the disposition of assets in nonoperating income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainsLossesOnSalesOfAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Subparagraph g<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Subparagraph d<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainsLossesOnSalesOfOtherRealEstate</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (f)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 27<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxesPaid</nobr></td>
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                  <tr>
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                    <td><strong> Data Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInDeposits</nobr></td>
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                  <tr>
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                    <td>us-gaap_</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet">
        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from the fund lent to other financial institution arising from the excess in reserve deposited at Federal Reserve Bank to meet legal requirement. This borrowing is usually contracted on an overnight basis at an agreed rate of interest. Also include cash inflow or outflow from investment sold under the agreement to reacquire such investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26, 31<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchaseNet</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Increase or decrease in the aggregate carrying amount of all Federal Home Loan Bank loans to other Federal Home Loan Banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInLoansToFederalHomeLoanBanks</nobr></td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOperatingCapitalAbstract</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the aggregate amount of liabilities that result from activities that generate operating income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOperatingLiabilities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInOtherOperatingAssets</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
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              </div>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInTimeDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net cash inflow (outflow) of time deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInTimeDeposits</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for interest during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestPaid</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from financing activity for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from investing activity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivities</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash from (used in) all of the entity's operating activities, including those of discontinued operations, of the reporting entity. Operating activities generally involve producing and delivering goods and providing services. Operating activity cash flows include transactions, adjustments, and changes in value that are not defined as investing or financing activities. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 16, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire common stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the distribution of an entity's earnings in the form of dividends to common shareholders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividendsCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireRestrictedInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire investments (not to include restricted cash) that are pledged or subject to withdrawal restrictions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireRestrictedInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale or maturity (principal being due) of securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleAndMaturityOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of other real estate not otherwise defined in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfOtherRealEstate</nobr></td>
                  </tr>
                  <tr>
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                    <td><strong> Balance Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from the sale of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfPropertyPlantAndEquipment</nobr></td>
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                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of investments that are pledged or subject to withdrawal restrictions during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfRestrictedInvestments</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic provision charged to operations, based on an assessment of the uncollectibility of the loan and lease portfolio, the offset to which is either added to or deducted from the allowance account for the purpose of reducing loan receivable and leases to an amount that approximates their net realizable value (the amount expected to be collected).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 5<br><br> -Paragraph 168, 169, 170<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanAndLeaseLosses</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensation</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Balance Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The fair value of stock issued in noncash financing activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssued1</nobr></td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SupplementalCashFlowInformationAbstract">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SupplementalCashFlowInformationAbstract</nobr></td>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net change in the difference between the fair value and the carrying value, or in the comparative fair values, of investments, not including unrealized gains or losses on securities separately or otherwise categorized as trading, available-for-sale, or held-to-maturity, held at each balance sheet date and included in earnings for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_UnrealizedGainLossOnInvestments</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ENMAC">
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          <div style="width: 200px;"><strong>Consolidated Balance Sheets (Parenthetical) (USD $)<br>In Thousands, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfFinancialPositionAbstract', window );"><strong>Consolidated Balance Sheets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 8,743<span></span></td>
        <td class="nump">$ 7,111<span></span></td>
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        <td class="nump">$ 10<span></span></td>
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        <td class="nump">500,000<span></span></td>
        <td class="nump">500,000<span></span></td>
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        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common stock, par value</a></td>
        <td class="nump">$ 2.50<span></span></td>
        <td class="nump">$ 2.50<span></span></td>
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        <td class="nump">10,000,000<span></span></td>
        <td class="nump">10,000,000<span></span></td>
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        <td class="nump">3,286,992<span></span></td>
        <td class="nump">3,249,477<span></span></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount or stated value of common stock per share; generally not indicative of the fair market value per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for loan and lease losses represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph a(ii)<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section L<br><br> -Subsection 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)(1)(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td>credit</td>
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                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount or stated value per share of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer); generally not indicative of the fair market value per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockParOrStatedValuePerShare</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesAuthorized</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesIssued</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Pension And Postretirement Benefit Plans<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div> <div>

<div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 10. Pension and Postretirement Benefit Plans</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Effective December 31, 2006, the pension plan was amended and frozen so that no further benefits will accrue under the plan and no additional employees may become participants. The pension plan was terminated effective September 30, 2011 and after receiving final approval from the Internal Revenue Service, distributions in the form of lump-sum cash payments to plan participants, rollovers and purchasing annuity contracts were completed on December 19, 2011. The Company recognized a loss of $589,000 on the distribution of the plan's assets. The loss is included in salaries and employee benefits expense on the consolidated statements of income. An additional $141,000 in expense was incurred during 2011 for the purchase of employee retirement annuities. The expense is included in outside service fees on the consolidated statements of income.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company provides certain health care and life insurance benefits for six retired employees who have met certain eligibility requirements. All other employees retiring after reaching age 65 and having at least 15 years of service with the Company will be allowed to stay on the Company's group life and health insurance policies, but will be required to pay premiums. The Company's share of the estimated costs that will be paid after retirement is generally being accrued by charges to expense over the employees' active service periods to the dates they are fully eligible for benefits, except that the Company's unfunded cost that existed at January 1, 1993 is being accrued primarily in a straight-line manner that will result in its full accrual by December 31, 2013.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following amounts that have not been recognized in the net periodic benefit cost of the postretirement benefit plan for the year ended December 31, 2011 and are included in other comprehensive income: unrecognized net actuarial gain of $50. The transition obligation included in other comprehensive income and expected to be recognized in the net periodic benefit cost of the postretirement benefit plan during 2012 is $0.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following tables provide a reconciliation of the changes in the benefit obligations and fair value of assets for 2011, 2010, and 2009 and a statement of the funded status at December 31, 2011, 2010 and 2009 for the pension and postretirement benefit plans of the Company. The Company uses a December 31st measurement date for its plans.</font></p>

<div>&nbsp;</div><br />

<div>

<table border="0" cellspacing="0">
<tr><td width="44%"> </td>
<td width="1%"> </td>
<td width="6%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="21%" colspan="8" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Pension Plan</font></b></td>
<td style="border-bottom: #000000 3px double;" width="21%" colspan="9" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Postretirement Benefits Plan</font></b></td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="12%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Change in Benefit Obligation:</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Benefit obligation, beginning</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,684</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,801</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,859</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">144</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">154</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">254</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Service cost</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest cost</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">101</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">189</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">191</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Actuarial loss (gain)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">143</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(246</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">95</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(11</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(105</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Benefits paid</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="right">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(4,069</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(60</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(344</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(6</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(6</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(9</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Settlement loss</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">141</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Benefit obligation, ending</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,684</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,801</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">150</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">144</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">154</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="86%" colspan="18">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Change in Plan Assets:</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair value of plan assets, beginning</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,252</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,955</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,691</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Actual return on plan assets</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">87</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">78</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">498</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Employer contributions</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">730</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">279</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">110</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Benefits paid</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="6%" align="right">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(4,069</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></font></td>
<td style="border-bottom: #000000 1px solid;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(60</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(344</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(6</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(6</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 1px solid;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(9</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair value of plan assets, ending</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,252</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,955</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="86%" colspan="18">&nbsp;</td></tr>
<tr><td width="86%" colspan="18">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="21%" colspan="8" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Pension Plan</font></b></td>
<td style="border-bottom: #000000 3px double;" width="21%" colspan="9" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Postretirement Benefits Plan</font></b></td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="12%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Funded Status:</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Funded status</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(432</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(846</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(150</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(144</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(154</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Unrecognized net actuarial loss</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Unrecognized net transition obligation</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Unrecognized prior service cost</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Prepaid (accrued) benefits</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(432</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(846</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(150</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(144</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(154</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr><td width="86%" colspan="18">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Amounts Recognized in Consolidated</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance Sheets:</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Prepaid benefit cost</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accrued benefit (liability)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(432</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(846</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(150</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(144</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(154</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(432</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(846</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(150</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(144</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(154</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr><td width="86%" colspan="18">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Amounts Recognized in Accumulated</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Other Comprehensive Income:</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net actuarial loss (gain)</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">434</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">846</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(76</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(93</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(92</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net transition obligation</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Deferred tax (benefit)/liability</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(147</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(288</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">26</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">30</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">31</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="6%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">287</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">558</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(50</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(63</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(59</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The accumulated benefit obligation for the pension plan was distributed during 2011, and as a result, there was no accumulated benefit obligation at December 31, 2011. The accumulated benefit obligation for the pension plan was $3,684,000, and $3,801,000 at December 31, 2010, and 2009, respectively. Due to the amendment of the pension plan, the accumulated benefit obligation and projected benefit obligation are equivalent at December 31, 2010 and 2009.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following tables provide the components of net periodic benefit cost of the pension plan and postretirement benefit plan for the years ended December 31, 2011, 2010, and 2009:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="44%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" colspan="8" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">Pension Plan</font></b></td>
<td style="border-bottom: #000000 3px double;" width="20%" colspan="8" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">Postretirement Benefits Plan</font></b></td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td></tr>
<tr valign="bottom"><td width="44%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="12%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="44%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Components of Net Periodic Benefit Cost:</font></b></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Service cost</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest cost</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">101</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">189</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">191</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Expected return on plan assets</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(83</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(146</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(132</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Amortization of prior service costs</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Amortization of transition obligation</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recognized net loss due to settlement</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">141</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Amortization of net actuarial loss</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">572</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">235</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">365</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(11</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(9</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="44%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net periodic benefit cost</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">731</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">278</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">424</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(5</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">17</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The total recognized net periodic benefit cost and other comprehensive income for the pension plan was $(303,000), $(5,000), and $4,000 during 2011, 2010, and 2009, respectively. The total recognized net periodic benefit cost and other comprehensive income for the postretirement benefits plan was $(6,000), $2,000, and $(54,000) during 2011, 2010, and 2009, respectively.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The benefit obligation for the pension plan was calculated using the following assumptions; weighted average discount rate of 6.10% for 2010 and 5.00% 2009. Due to the amendment of the pension plan, no rate of compensation increase was assumed for or 2010 and 2009.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The net periodic benefit cost for the pension plan was calculated using the following assumptions; weighted average discount rate of 6.10% for 2011 and 5.00% for 2010 and 2009, expected long-term return on plan assets of 5.00% for 2011, 2010, and 2009. Due to the amendment of the pension plan, no rate of compensation increase was assumed for 2011, 2010, and 2009.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The benefit obligation for the postretirement benefit plan was calculated using a weighted average discount rate of 4.25% for 2011, 5.00% for 2010, and 6.00% for 2009. For measurement purposes, a 10.00% annual rate of increase in the per capita cost of covered health care benefits was assumed for 2012 and 2013, 8.00% for 2014 and 2015, and 6.00% for 2016 and thereafter. If these rates were increased by 1.00% in each year, the benefit obligation at December 31, 2011 would have increased by $6,000 and the net periodic benefit cost for 2011 would have increased by less than $500. If these rates were decreased by 1.00% in each year, the benefit obligation at December 31, 2011 would have decreased by $6,000 and the net periodic benefit cost for 2011 would have decreased by less than $500.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following table provides the pension plan's asset allocation as of December 31, 2010:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="78%"> </td>
<td width="16%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="78%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="78%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity securities</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="78%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Debt securities</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">57</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr>
<tr valign="bottom"><td width="78%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">43</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="78%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">100</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">All plan assets were distributed to pension plan beneficiaries during 2011 and no future payments are expected.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Estimated future benefit payments at December 31, 2011, which reflect expected future service, as appropriate, were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="75%"> </td>
<td width="2%"> </td>
<td width="20%"> </td></tr>
<tr valign="bottom"><td width="75%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Postretirement</font></b></td></tr>
<tr valign="bottom"><td width="75%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Benefits</font></b></td></tr>
<tr valign="bottom"><td width="75%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="75%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2012</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14</font></td></tr>
<tr valign="bottom"><td width="75%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2013</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14</font></td></tr>
<tr valign="bottom"><td width="75%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2014</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14</font></td></tr>
<tr valign="bottom"><td width="75%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2015</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14</font></td></tr>
<tr valign="bottom"><td width="75%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2016</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14</font></td></tr>
<tr valign="bottom"><td width="75%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2017 - 2020</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">60</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The pension financial instruments measured and reported at fair value are classified and disclosed in one of the following categories:</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">&#149; Level 1 Inputs to the valuation methodology are quoted prices (unadjusted) for identical assets or liabilities in active markets.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">&#149; Level 2 Inputs to the valuation methodology include quoted prices for similar assets and liabilities in active markets, and inputs that are observable for the asset or liability, either directly or indirectly, for substantially the full term of the financial instrument.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">&#149; Level 3 Inputs to the valuation methodology are unobservable and significant to the fair value measurement.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following table presents balances of pension assets measured at fair value on December 31, 2010:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="26%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="15%"> </td></tr>
<tr valign="bottom"><td width="26%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="51%" colspan="6" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair Value Measurements at December 31, 2010 Using</font></b></td></tr>
<tr valign="bottom"><td width="26%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Quoted Prices</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="26%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">in Active</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="26%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Markets for</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Significant</font></b></td></tr>
<tr valign="bottom"><td width="26%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance as of</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Identical</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Observable</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Unobservable</font></b></td></tr>
<tr valign="bottom"><td width="26%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Assets</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Inputs</font></b></td></tr>
<tr valign="bottom"><td width="26%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 1)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 2)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(Level 3)</font></b></td></tr>
<tr valign="bottom"><td width="26%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td style="text-indent: 7px;" width="32%" colspan="3" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td></tr>
<tr><td width="93%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td width="26%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="26%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash Equivalents</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,406</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,406</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="26%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">AA corporate bonds</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">131</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">131</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="26%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Mutual Funds </font><sup><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(a)</font></sup></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,714</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,714</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr><td width="93%" colspan="9">&nbsp;</td></tr>
<tr valign="bottom"><td width="26%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total assets at fair value</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,252</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,121</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">131</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<table border="0" cellspacing="0">
<tr><td valign="top" width="2%" nowrap="nowrap"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(a)</font>&nbsp; &nbsp; &nbsp; </td>
<td width="98%"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">100% o f mutual funds are inves ted in fixed inco me co rpo rate bo nd s ecurities .</font> </td></tr>
<tr><td valign="top" width="2%" nowrap="nowrap"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(b)</font>&nbsp; &nbsp; &nbsp; </td>
<td width="98%"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">70% o f mutual funds inves t in co mmo n s to ck o f large-cap co mpanies . 30% o f mutual funds inves t in co mmo n s to ck o f mid-cap co mpanies . 10% o f mutual funds inves t in co mmo n s to ck o f s mall-cap co mpanies .</font></td></tr></table></div></div> </div><span></span></td>
      </tr>
    </table>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DefinedBenefitPensionPlansAndDefinedBenefitPostretirementPlansDisclosureAbstract</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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              </div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for pension and other postretirement benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -URI http://asc.fasb.org/topic&amp;trid=2235017<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7, 21, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS106-2<br><br> -Paragraph 20, 21, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Implementation Guide (Q and A)<br><br> -Number FAS88<br><br> -Paragraph 63<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 30<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-2<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 8<br><br> -Subparagraph m<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph q<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                <p>If the value is true, then the document as an amendment to previously-filed/accepted document.</p>
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                <p>End date of current fiscal year in the format --MM-DD.</p>
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                <p>No definition available.</p>
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                <p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p>
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                <p>No definition available.</p>
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                <p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p>
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                <p>No definition available.</p>
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                <p>The type of document being provided (such as 10-K, 10-Q, N-1A, etc). The document type is limited to the same value as the supporting SEC submission type, minus any "/A" suffix. The acceptable values are as follows: S-1, S-3, S-4, S-11, F-1, F-3, F-4, F-9, F-10, 6-K, 8-K, 10, 10-K, 10-Q, 20-F, 40-F, N-1A, 485BPOS, 497, NCSR, N-CSR, N-CSRS, N-Q, 10-KT, 10-QT, 20-FT, POS AM and Other.</p>
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                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
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                <p>Indicate number of shares outstanding of each of registrant's classes of common stock, as of latest practicable date. Where multiple classes exist define each class by adding class of stock items such as Common Class A [Member], Common Class B [Member] onto the Instrument [Domain] of the Entity Listings, Instrument</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCommonStockSharesOutstanding</nobr></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCurrentReportingStatus</nobr></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td>duration</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, or (4) Smaller Reporting Company. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityFilerCategory</nobr></td>
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                    <td>dei_</td>
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                    <td>na</td>
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                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityPublicFloat</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>credit</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityRegistrantName</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityVoluntaryFilers</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityWellKnownSeasonedIssuer</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_DocumentAndEntityInformationAbstract</nobr></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>34
<FILENAME>R18.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Stock-Based Compensation<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationAbstract', window );"><strong>Stock-Based Compensation [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">Stock-Based Compensation</a></td>
        <td class="text"><div> <div>

<div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 11. Stock-Based Compensation</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The exercise price of stock options granted under this plan, both incentive and non-qualified, cannot be less than the fair market value of the common stock on the date that the option is granted. The maximum term for an option granted under this plan is ten years and options granted may be subject to a vesting schedule. All of the non-qualified stock options granted under the plan had a ten year term and were subject to a vesting period. The following table summarizes options outstanding at December 31, 2011, 2010, and 2009:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="21%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="33%" colspan="5" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="22%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="22%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="9%" align="center">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted</font></b></td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="9%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Aggregate</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></b></td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Exercise</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="9%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Intrinsic</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Exercise</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Exercise</font></b></td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Price</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="9%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Value</font></b></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Price</font></b></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Price</font></b></td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Outstanding, beginning of year</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td style="text-indent: 4px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td style="text-indent: 4px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Granted</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Exercised</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Forfeited</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Outstanding, end of year</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td style="text-indent: 4px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td style="text-indent: 4px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td></tr>
<tr><td width="98%" colspan="12">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Exercisable, end of year</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td style="text-indent: 4px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td style="text-indent: 4px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted average fair value of</font></td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">options granted during the year</font></td>
<td width="10%" align="left">&nbsp;</td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td style="text-indent: 4px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="10%" align="left">&nbsp;</td>
<td style="text-indent: 4px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The aggregate intrinsic value in the table is equal to the amount that would have been received by the option holders had all options been exercised on December 31, 2011. It is derived from the amount by which the current market value of the underlying stock exceeds the exercise price of the option. This amount fluctuates in relation to the market value of the Company's stock.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following table summarizes options outstanding and exercisable at December 31, 2011:</font></p>

<div>&nbsp;</div><br />

<div>

<table style="width: 748px; height: 228px;" border="0" cellspacing="0">
<tr><td width="2%"> </td>
<td width="15%"> </td>
<td width="15%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="15%"> </td></tr>
<tr valign="bottom"><td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="46%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Options Outstanding</font></b></td>
<td style="border-bottom: #000000 3px double; text-indent: 4px;" width="31%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Options Exercisable</font></b></td></tr>
<tr valign="bottom"><td width="2%" align="left">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="14%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="2%" align="left">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted</font></b></td>
<td width="14%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted</font></b></td></tr>
<tr valign="bottom"><td width="2%" align="left">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Range of</font></b></td>
<td width="15%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Remaining</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></b></td>
<td width="14%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></b></td></tr>
<tr valign="bottom"><td width="2%" align="left">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Exercise</font></b></td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Number</font></b></td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Contractual</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Exercise</font></b></td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Number</font></b></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Exercise</font></b></td></tr>
<tr valign="bottom"><td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Price</font></b></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Outstanding</font></b></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Life (in years)</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Price</font></b></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Exercisable</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Price</font></b></td></tr>
<tr valign="bottom"><td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.63</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,000</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1.75</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="text-indent: 1px;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.63</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,000</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="text-indent: 1px;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.63</font></td></tr>
<tr valign="bottom"><td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.55</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,000</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2.75</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.55</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,000</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.55</font></td></tr>
<tr valign="bottom"><td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.55 - 21.63</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2.25</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="text-indent: 1px;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,000</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="text-indent: 1px;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.59</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Restricted Stock provides grantees with rights to shares of common stock upon completion of a service period or achievement of Company performance measures. During the restriction period, all shares are considered outstanding and dividends are paid to the grantee. Outside directors are periodically granted restricted shares which vest over a period of less than six months. During 2011, executive officers were granted restricted shares which vest over a three year service period and restricted shares which vest based on meeting performance measures over a three year period. The following table presents the activity for Restricted Stock for the years ended December 31, 2011, 2010 and 2009:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="22%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 9px;" width="24%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double; text-indent: 9px;" width="24%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double; text-indent: 9px;" width="24%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Weighted</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Grant Date</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Grant Date</font></b></td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Grant Date</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair Value</font></b></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair Value</font></b></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="12%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair Value</font></b></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Nonvested, beginning of year</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,772</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16.89</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13,335</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">20.00</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,492</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">26.16</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Granted</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,300</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16.76</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,900</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16.14</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,700</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16.06</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Vested</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(9,291</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">17.55</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(7,936</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">19.51</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(7,509</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21.12</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Forfeited</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(2,081</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">18.38</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(5,527</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">18.86</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(2,348</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">26.94</font></td></tr>
<tr valign="bottom"><td width="22%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Nonvested, end of year</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13,700</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16.11</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,772</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16.89</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13,335</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">20.00</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company recognizes compensation expense over the restricted period. Compensation expense was $166,000, $116,000, and $166,000 during 2011, 2010, and 2009, respectively. The total grant date fair value of Restricted Stock which vested was $163,000 and $155,000 for the years ended December 31, 2011 and 2010, respectively. Unrecognized compensation cost related to unvested Restricted Stock was $47,000 at December 31, 2011. This amount is expected to be recognized over a weighted average period of 1.1 years.</font></p></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5444-113901<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 93-6<br><br> -Paragraph 53<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 14<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64, 65, A240<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6418621&amp;loc=d3e17540-113929<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6406099&amp;loc=d3e25284-112666<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EYGAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Consolidated Statements Of Income (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
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        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>Interest and Dividend Income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Interest and fees on loans</a></td>
        <td class="nump">$ 23,029<span></span></td>
        <td class="nump">$ 23,529<span></span></td>
        <td class="nump">$ 23,001<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeFederalFundsSold', window );">Interest on federal funds sold</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2<span></span></td>
        <td class="nump">10<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract', window );"><strong>Interest and dividends on securities available for sale:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeSecuritiesTaxable', window );">Taxable interest income</a></td>
        <td class="nump">2,695<span></span></td>
        <td class="nump">2,489<span></span></td>
        <td class="nump">2,784<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeSecuritiesTaxExempt', window );">Interest income exempt from federal income taxes</a></td>
        <td class="nump">1,397<span></span></td>
        <td class="nump">1,302<span></span></td>
        <td class="nump">1,194<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendIncomeOperating', window );">Dividends</a></td>
        <td class="nump">413<span></span></td>
        <td class="nump">446<span></span></td>
        <td class="nump">461<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeDomesticDeposits', window );">Interest on deposits in banks</a></td>
        <td class="nump">37<span></span></td>
        <td class="nump">21<span></span></td>
        <td class="nump">3<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest and dividend income</a></td>
        <td class="nump">27,571<span></span></td>
        <td class="nump">27,789<span></span></td>
        <td class="nump">27,453<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>Interest Expense</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">2,439<span></span></td>
        <td class="nump">2,983<span></span></td>
        <td class="nump">4,040<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase', window );">Interest on federal funds purchased and securities sold under agreements to repurchase</a></td>
        <td class="nump">364<span></span></td>
        <td class="nump">387<span></span></td>
        <td class="nump">392<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_InterestOnFederalHomeLoanBankAdvances', window );">Interest on Federal Home Loan Bank advances</a></td>
        <td class="nump">1,685<span></span></td>
        <td class="nump">1,844<span></span></td>
        <td class="nump">2,042<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseTrustPreferredSecurities', window );">Interest on trust preferred capital notes</a></td>
        <td class="nump">137<span></span></td>
        <td class="nump">138<span></span></td>
        <td class="nump">184<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseTradingLiabilities', window );">Interest on interest rate swap</a></td>
        <td class="nump">180<span></span></td>
        <td class="nump">178<span></span></td>
        <td class="nump">135<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Total interest expense</a></td>
        <td class="nump">4,805<span></span></td>
        <td class="nump">5,530<span></span></td>
        <td class="nump">6,793<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="nump">22,766<span></span></td>
        <td class="nump">22,259<span></span></td>
        <td class="nump">20,660<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision For Loan Losses</a></td>
        <td class="nump">3,750<span></span></td>
        <td class="nump">6,325<span></span></td>
        <td class="nump">4,350<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provision for loan losses</a></td>
        <td class="nump">19,016<span></span></td>
        <td class="nump">15,934<span></span></td>
        <td class="nump">16,310<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeAbstract', window );"><strong>Noninterest Income</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities', window );">Income from fiduciary activities</a></td>
        <td class="nump">907<span></span></td>
        <td class="nump">917<span></span></td>
        <td class="nump">818<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsDepositorAccounts', window );">Service charges on deposit accounts</a></td>
        <td class="nump">1,586<span></span></td>
        <td class="nump">1,784<span></span></td>
        <td class="nump">2,053<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissionsOther', window );">Other service charges and fees</a></td>
        <td class="nump">3,190<span></span></td>
        <td class="nump">2,993<span></span></td>
        <td class="nump">2,148<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment', window );">Gain (loss) on the sale of bank premises and equipment</a></td>
        <td class="nump">76<span></span></td>
        <td class="num">(83)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainsLossesOnSalesOfOtherRealEstate', window );">Loss on the sale of other real estate owned</a></td>
        <td class="num">(361)<span></span></td>
        <td class="num">(338)<span></span></td>
        <td class="num">(26)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Gain (loss) on securities</a></td>
        <td class="nump">67<span></span></td>
        <td class="nump">98<span></span></td>
        <td class="num">(419)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOther', window );">Other operating income</a></td>
        <td class="nump">120<span></span></td>
        <td class="nump">128<span></span></td>
        <td class="nump">52<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total noninterest income</a></td>
        <td class="nump">5,585<span></span></td>
        <td class="nump">5,499<span></span></td>
        <td class="nump">4,626<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>Noninterest Expenses</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="nump">10,609<span></span></td>
        <td class="nump">9,263<span></span></td>
        <td class="nump">9,262<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Occupancy expenses</a></td>
        <td class="nump">1,155<span></span></td>
        <td class="nump">1,142<span></span></td>
        <td class="nump">1,069<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquipmentExpense', window );">Equipment expenses</a></td>
        <td class="nump">676<span></span></td>
        <td class="nump">625<span></span></td>
        <td class="nump">665<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MarketingAndAdvertisingExpense', window );">Advertising and marketing expenses</a></td>
        <td class="nump">500<span></span></td>
        <td class="nump">435<span></span></td>
        <td class="nump">409<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SuppliesAndPostageExpense', window );">Stationery and supplies</a></td>
        <td class="nump">292<span></span></td>
        <td class="nump">246<span></span></td>
        <td class="nump">311<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_AtmNetworkFees', window );">ATM network fees</a></td>
        <td class="nump">546<span></span></td>
        <td class="nump">442<span></span></td>
        <td class="nump">104<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_OtherRealEstateOwnedExpenses', window );">Other real estate owned expenses</a></td>
        <td class="nump">159<span></span></td>
        <td class="nump">19<span></span></td>
        <td class="nump">366<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">FDIC assessment</a></td>
        <td class="nump">712<span></span></td>
        <td class="nump">852<span></span></td>
        <td class="nump">801<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InformationTechnologyAndDataProcessing', window );">Computer software expense</a></td>
        <td class="nump">507<span></span></td>
        <td class="nump">419<span></span></td>
        <td class="nump">317<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_OutsideServiceFees', window );">Outside service fees</a></td>
        <td class="nump">742<span></span></td>
        <td class="nump">423<span></span></td>
        <td class="nump">313<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_BankFranchiseTax', window );">Bank franchise tax</a></td>
        <td class="nump">376<span></span></td>
        <td class="nump">317<span></span></td>
        <td class="nump">305<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other operating expenses</a></td>
        <td class="nump">2,634<span></span></td>
        <td class="nump">2,626<span></span></td>
        <td class="nump">2,558<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total noninterest expenses</a></td>
        <td class="nump">18,908<span></span></td>
        <td class="nump">16,809<span></span></td>
        <td class="nump">16,480<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income before income taxes</a></td>
        <td class="nump">5,693<span></span></td>
        <td class="nump">4,624<span></span></td>
        <td class="nump">4,456<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income Tax Expense</a></td>
        <td class="nump">1,371<span></span></td>
        <td class="nump">1,019<span></span></td>
        <td class="nump">1,015<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net Income</a></td>
        <td class="nump">$ 4,322<span></span></td>
        <td class="nump">$ 3,605<span></span></td>
        <td class="nump">$ 3,441<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Share</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Net income per common share, basic</a></td>
        <td class="nump">$ 1.31<span></span></td>
        <td class="nump">$ 1.11<span></span></td>
        <td class="nump">$ 1.09<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Net income per common share, diluted</a></td>
        <td class="nump">$ 1.31<span></span></td>
        <td class="nump">$ 1.11<span></span></td>
        <td class="nump">$ 1.08<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_AtmNetworkFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>ATM network fees</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_AtmNetworkFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_BankFranchiseTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Bank franchise tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_BankFranchiseTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_InterestOnFederalHomeLoanBankAdvances">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest on Federal Home Loan Bank advances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_InterestOnFederalHomeLoanBankAdvances</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_OtherRealEstateOwnedExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other real estate owned expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_OtherRealEstateOwnedExpenses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_efsi_OutsideServiceFees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Outside Service Fees</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>efsi_OutsideServiceFees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>efsi_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earned dividend income on equity securities that are part of the trading and investment portfolios owned by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 9, 51, 56<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945512&amp;loc=d3e4984-109258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 36, 37, 38<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 11, 12, 36<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquipmentExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquipmentExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The premium paid to the Federal Deposit Insurance Corporation for deposit insurance which is included in noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalDepositInsuranceCorporationPremiumExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsDepositorAccounts">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13 (d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsDepositorAccounts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Income from services rendered by trust departments or by any consolidated subsidiaries acting in a fiduciary capacity, including fees earned for (1) acting as an agent for fiduciary placement and loans and (2) custody or investment advisory services when such fees are not separately billed to the customer. This item excludes commissions and fees received for the accumulation or disbursement of funds deposited to Individual Retirement or Keogh plan accounts when such are not handled by the reporting entity's trust department.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13 (a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissionsOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fee and commission revenue earned from sources not otherwise specified in the existing taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number EITF85-24-1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissionsOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfPropertyPlantEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The difference between the sale price or salvage price and the book value of a property, plant, and equipment asset that was sold or retired during the reporting period. This element refers to the gain (loss).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfPropertyPlantEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Subparagraph h<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 3<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainsLossesOnSalesOfOtherRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Subparagraph g<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Subparagraph d<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainsLossesOnSalesOfOtherRealEstate</nobr></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td>credit</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InformationTechnologyAndDataProcessing">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of expenses incurred in the period for information technology and data processing products and services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InformationTechnologyAndDataProcessing</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 9, 51, 54<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cost of borrowed funds accounted for as interest that was charged against earnings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 34<br><br> -Paragraph 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 9<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate interest expense incurred on all domestic deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDomesticDeposits</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate expense incurred on federal funds purchased and securities sold under agreements to repurchase. If amounts recognized as payables under repurchase agreements have been offset against amounts recognized as receivables under reverse repurchase agreements and reported as a net amount on the balance sheet, the income and expense from these agreements may be reported on a net basis.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 7<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseFederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseTradingLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred on short positions arising from sales of securities and other assets, which the entity does not own, to other parties. Trading liabilities includes the fair value of derivative contracts held for trading that are in loss positions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 55<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 7<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of interest incurred to a trust which has issued trust-preferred securities. In order to issue trust preferred securities, a sponsor forms a trust by investing a nominal amount of cash to purchase all of the voting common stock of the trust. The trust issues nonvoting, mandatorily redeemable preferred securities to outside investors in exchange for cash. The proceeds received from the issuance of the preferred securities, together with the cash received for issuing the common stock to the sponsor, is then loaned to the sponsor in exchange for a note which has the same terms as the trust preferred securities. Trust preferred securities possesses characteristics of both equity and debt issues and are generally issued by bank holding companies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 480<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6924035&amp;loc=d3e22274-110880<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 150<br><br> -Paragraph A4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseTrustPreferredSecurities</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest earned on deposits in United States money market accounts and other United States interest earning accounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 4<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net interest and dividend income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeFederalFundsSold">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income on federal funds sold. Federal funds sold represent the excess federal funds held by one commercial bank which it lends to another commercial bank, usually at an agreed-upon (federal funds) rate of interest. Such loans generally are of short-duration (overnight).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 4<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeFederalFundsSold</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeSecuritiesTaxable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from investment securities which are subject to federal income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeSecuritiesTaxable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeSecuritiesTaxExempt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from securities which are exempt from federal income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeSecuritiesTaxExempt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LaborAndRelatedExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MarketingAndAdvertisingExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total expense recognized in the period for promotion, public relations, and brand or product advertising.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MarketingAndAdvertisingExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 14<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestExpenseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpenseAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>Represents the total of noninterest income derived from certain activities and assets including (for example): (1) venture capital investments; (2) bank owned life insurance; (3) foreign currency transactions; and (4) mortgage servicing rights.</p>
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                <p>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic provision charged to operations, based on an assessment of the uncollectibility of the loan and lease portfolio, the offset to which is either added to or deducted from the allowance account for the purpose of reducing loan receivable and leases to an amount that approximates their net realizable value (the amount expected to be collected).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 5<br><br> -Paragraph 168, 169, 170<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
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                <p>The aggregate amount of expenses directly related to the supplies and postage.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Troubled Debt Restructurings<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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<div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 5. Troubled Debt Restructurings</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">All loans deemed a troubled debt restructuring, or "TDR", are considered impaired, and are evaluated for collateral and cash-flow sufficiency. A loan is considered a TDR when the Company, for economic or legal reasons related to a borrower's financial difficulties, grants a concession to the borrower that the Company would not otherwise consider. All of the following factors are indicators that the Bank has granted a concession (one or multiple items may be present):</font></p>

<ul>

<li><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The borrower receives a reduction of the stated interest rate to a rate less than the institution is willing to accept at the time of the</font> <font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">restructure for a new loan with comparable risk.</font> </li>

<li><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The borrower receives an extension of the maturity date or dates at a stated interest rate lower than the current market interest rate for</font> <font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">new debt with similar risk characteristics.</font> </li>

<li><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The borrower receives a reduction of the face amount or maturity amount of the debt as stated in the instrument or other agreement.</font> </li>

<li><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The borrower receives a deferral of required payments (principal and/or interest).</font> </li>

<li><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The borrower receives a reduction of the accrued interest.</font> </li></ul>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">There were twenty-five troubled debt restructured loans at December 31, 2011 amounting to $10,706,000. There were thirty-one troubled debt restructured loans at December 31, 2010 amounting to $8,469,000. There were no outstanding commitments to lend additional amounts to troubled debt restructured borrowers at December 31, 2011.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following table set forth information on the Company's troubled debt restructurings by class of financing receivable occurring during the year ended December 31, 2011.</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="30%"> </td>
<td width="13%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="15%"> </td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="63%" colspan="7" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">For the Year Ended December 31, 2011</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="63%" colspan="7" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Pre-Modification</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="16%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Post-Modification</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="13%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Outstanding</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Outstanding</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td width="13%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Number of</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recorded</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="14%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recorded</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Impairment</font></td></tr>
<tr valign="bottom"><td width="30%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Contracts</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Investment</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Investment</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accrued</font></td></tr>
<tr><td width="93%" colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial Real Estate:</font></td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Non-owner occupied</font></td>
<td width="13%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,092</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,092</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr><td width="93%" colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and Farmland:</font></td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial</font></td>
<td width="13%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,530</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,530</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">713</font></td></tr>
<tr><td width="93%" colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential</font></td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Single family</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,657</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,389</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">393</font></td></tr>
<tr><td width="93%" colspan="8">&nbsp;</td></tr>
<tr valign="bottom"><td width="30%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,279</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,011</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,106</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">During the year ended December 31, 2011, the Company restructured eleven loans by granting concessions to borrowers experiencing financial difficulties. For each of the two commercial real estate loans above, two commercial real estate loans were combined into the one restructured commercial real estate loan. On one of the two loans, monthly payments were converted from principal and interest to interest only. The other loan remained on principal and interest payments, but the original loans were re-amortized. The residential construction loan was modified by granting a reduction in the required monthly payment. During the year ended December 31, 2011, eight single family residential loans were modified. Four of the loans were modified by granting interest rate reductions, another two had payment requirements modified from principal and interest to interest only, while the two remaining loans were modified by granting a reduction in the required monthly payment.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Loans by class of financing receivable modified as TDRs within the previous 12 months and for which there was a payment default during the year ended December 31, 2011 were:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="48%"> </td>
<td width="23%"> </td>
<td width="2%"> </td>
<td width="25%"> </td></tr>
<tr valign="bottom"><td width="48%" align="left">&nbsp;</td>
<td width="50%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Year Ended December 31, 2011</font></b></td></tr>
<tr valign="bottom"><td width="48%" align="left">&nbsp;</td>
<td width="50%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="48%" align="left">&nbsp;</td>
<td width="23%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Number of</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="25%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recorded</font></td></tr>
<tr valign="bottom"><td width="48%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="23%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Contracts</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="25%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Investment</font></td></tr>
<tr><td width="98%" colspan="4">&nbsp;</td></tr>
<tr valign="bottom"><td width="48%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial Real Estate:</font></td>
<td width="23%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="48%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Owner occupied</font></td>
<td width="23%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2</font></td>
<td width="2%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">613</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="48%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Non-owner occupied</font></td>
<td width="23%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">898</font></td></tr>
<tr valign="bottom"><td width="48%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and Farmland:</font></td>
<td width="23%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="48%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial</font></td>
<td width="23%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">99</font></td></tr>
<tr valign="bottom"><td width="48%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential:</font></td>
<td width="23%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="48%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Single family</font></td>
<td style="border-bottom: #000000 3px double;" width="23%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,596</font></td></tr>
<tr><td width="98%" colspan="4">&nbsp;</td></tr>
<tr valign="bottom"><td width="48%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total</font></td>
<td style="border-bottom: #000000 3px double;" width="23%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,206</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">A loan is considered to be in payment default once it is thirty days contractually past due under the modified terms.</font></p></div></div> </div><span></span></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Allowance For Loan Losses<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
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        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivablesTextBlock', window );">Allowance For Loan Losses</a></td>
        <td class="text"><div> <div>

<div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 4. Allowance for Loan Losses</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Changes in the allowance for loan losses for the years ended December 31, 2011, 2010 and 2009 were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="40%"> </td>
<td width="2%"> </td>
<td width="13%"> </td>
<td width="2%"> </td>
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<td width="13%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="13%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="40%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="40%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="40%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="40%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance, beginning</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,111</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,970</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,521</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="40%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Provision charged to operating expense</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,750</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,325</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,350</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="40%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recoveries added to the allowance</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">848</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">291</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">252</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="40%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Loan losses charged to the allowance</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(2,966</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(5,475</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(3,153</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td width="40%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance, ending</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8,743</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,111</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,970</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Nonaccrual and past due loans by class at December 31, 2011 and 2010 were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="20%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td width="72%" colspan="16" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">As of December 31, 2011</font></b></td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="72%" colspan="16" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">30 - 59</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">60 - 89</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">90 or More</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">90 or More</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Days</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Days</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Days</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Total Past</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Days Past Due</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Nonaccrual</font></td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Past Due</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Past Due</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Past Due</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Due</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Current</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Total Loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Still Accruing</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Loans</font></td></tr>
<tr><td width="92%" colspan="17">&nbsp;</td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Commercial - Non Real Estate:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Commercial &amp; Industrial</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">114</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">421</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">535</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">22,331</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">22,866</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Commercial Real Estate:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Owner Occupied</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">174</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">9</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">447</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">630</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">82,476</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">83,106</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">600</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Non-owner occupied</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">873</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,102</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,975</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">32,962</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">34,937</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">234</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Construction and Farmland:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Residential</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">10,594</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">10,594</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">151</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Commercial</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">24,375</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">24,375</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Consumer:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Installment</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">114</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">13</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">5</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">132</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">13,053</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">13,185</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">5</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Residential:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Equity Lines</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">217</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">30</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">247</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">33,182</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">33,429</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">177</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Single family</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,187</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">194</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">717</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,098</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">176,111</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">179,209</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">89</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,287</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Multifamily</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,517</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,517</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">All Other Loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,206</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,206</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr><td width="92%" colspan="17">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Total</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,679</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,769</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,169</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">6,617</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">403,807</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">410,424</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">94</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,449</font></td></tr>
<tr><td width="92%" colspan="17">&nbsp;</td></tr>
<tr><td width="92%" colspan="17">&nbsp;</td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td width="72%" colspan="16" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">As of December 31, 2010</font></b></td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="72%" colspan="16" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">30 - 59</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">60 - 89</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">90 or More</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">90 or More</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Days</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Days</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Days</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Total Past</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Past Due</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Nonaccrual</font></td></tr>
<tr valign="bottom"><td width="20%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Past Due</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Past Due</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Past Due</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Due</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Current</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Total Loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Still Accruing</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Loans</font></td></tr>
<tr><td width="92%" colspan="17">&nbsp;</td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Commercial - Non Real Estate:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Commercial &amp; Industrial</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">91</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">129</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">7</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">227</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">24,222</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">24,449</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">7</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">267</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Commercial Real Estate:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Owner Occupied</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,100</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">938</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">177</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,215</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">81,176</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">83,391</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,071</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Non-owner occupied</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">248</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">294</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">542</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">32,448</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">32,990</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Construction and Farmland:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Residential</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">63</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">70</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,122</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,255</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">9,042</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">10,297</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,808</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Commercial</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,222</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">911</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,133</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">23,462</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">25,595</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Consumer:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Installment</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">181</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">72</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">256</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">14,262</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">14,518</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Residential:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Equity Lines</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">781</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">60</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">841</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">41,848</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">42,689</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">190</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Single family</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,814</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">490</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">502</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,806</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">162,176</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">164,982</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,041</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Multifamily</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,908</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,908</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr valign="bottom"><td width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">All Other Loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">696</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">696</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,934</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,630</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td></tr>
<tr><td width="92%" colspan="17">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="20%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Total</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">5,500</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,455</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,016</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">10,971</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">397,478</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">408,449</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">10</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">8,377</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Allowance for loan losses by segment for the years ended December 31, 2011 and 2010 were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="21%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td>
<td width="5%"> </td>
<td width="1%"> </td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td width="55%" colspan="23" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">A s</font></b> <b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">o f a nd fo r the Ye a r Ende d D e c e m be r 3 1, 2 0 11</font></b></td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td width="55%" colspan="23" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">(in tho us a nds )</font></b></td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co ns tructio n</font></td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Res idential</font></td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial</font></td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="6%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">All Other</font></td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">a</font><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">nd Farmlan</font><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">d</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Real Es tate</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Real Es tate</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercia</font><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">l </font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co ns umer</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Lo ans</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Unallo cated</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">To tal</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">A llo wa nc e fo r c re dit lo s s e s :</font></b></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Beginning Balance</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,386</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,457</font></td>
<td width="1%" align="left">&nbsp;</td>
<td style="text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,231</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">819</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">182</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">36</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">7,111</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Charge-Offs</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(721</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(1,203</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(14</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">)</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(572</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(331</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(125</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">)</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(2,966</font></td>
<td width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">)</font></td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Reco veries</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">5</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">298</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">292</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">195</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">56</font></td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">848</font></td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">P ro vis io n</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,948</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">992</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">(162</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">)</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">538</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">85</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">156</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">193</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,750</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,618</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,544</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,057</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,077</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">131</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">123</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">193</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">8,743</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance: Individually</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">evaluated fo r impairment</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,468</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,071</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">150</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">544</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,233</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance: co llectively</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">evaluated fo r impairment</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,150</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,473</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">907</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">533</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">131</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">123</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">193</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,510</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">F ina nc ing re c e iv a ble s :</font></b></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">34,969</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">217,155</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">118,043</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">22,866</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">13,185</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,206</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">410,424</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance individually</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">evaluated fo r impairment</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,357</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">9,748</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">6,186</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">599</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">19,890</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="22%" colspan="2" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance co llectively evaluated</font></td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">fo r impairment</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">31,612</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">207,407</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">111,857</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">22,267</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">13,185</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,206</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">390,534</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td width="55%" colspan="23" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">F o r the Ye a r Ende d D e c e m be r 3 1, 2 0 10</font></b></td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td width="55%" colspan="23" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">(in tho us a nds )</font></b></td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co ns tructio n</font></td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Res idential</font></td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial</font></td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="6%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">All Other</font></td>
<td width="1%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center">&nbsp;</td>
<td width="1%" align="center">&nbsp;</td>
<td width="5%" align="center">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">a</font><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">nd Farmlan</font><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">d</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Real Es tate</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Real Es tate</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercia</font><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">l </font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co ns umer</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Lo ans</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="6%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Unallo cated</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">To tal</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">A llo wa nc e fo r c re dit lo s s e s :</font></b></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,386</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,457</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,231</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">819</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">182</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">36</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="5%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">7,111</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance: Individually</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">evaluated fo r impairment</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">622</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,623</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">273</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">139</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,657</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance: co llectively</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">evaluated fo r impairment</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">764</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,834</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">958</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">680</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">182</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">36</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="5%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,454</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">F ina nc ing re c e iv a ble s :</font></b></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">35,892</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">212,579</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">116,381</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">24,449</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">14,518</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,630</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="5%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">408,449</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance individually</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">evaluated fo r impairment</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,549</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">11,172</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">5,141</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">319</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">20,181</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr>
<tr><td width="76%" colspan="24">&nbsp;</td></tr>
<tr valign="bottom"><td width="22%" colspan="2" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Ending balance co llectively evaluated</font></td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="5%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="21%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">fo r impairment</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">32,343</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">201,407</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 1px;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">111,240</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font>&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">24,130</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">14,518</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,630</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="5%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">388,268</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="left">&nbsp;</td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Impaired loans by class at December 31, 2011 and 2010 were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="33%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="11%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="61%" colspan="10" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">As of December 31, 2011</font></b></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="61%" colspan="10" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Unpaid</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="11%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td style="text-indent: 1px;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Principal</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recorded</font></td>
<td width="13%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Related</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recorded</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Income</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Investment</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Allowance</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Investment</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recognized</font></td></tr>
<tr><td width="94%" colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">With no related allowance:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial - Non Real Estate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial &amp; Industrial</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5</font></td>
<td style="text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial Real Estate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Owner Occupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,521</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,529</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,575</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">132</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Non-owner occupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,552</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,567</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,623</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">110</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and Farmland:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">361</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">361</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">466</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">21</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity lines</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">177</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">177</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">190</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Single family</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,237</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,242</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,840</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">97</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Multifamily</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other Loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8,853</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8,881</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9,696</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">360</font></td></tr>
<tr><td width="94%" colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">With an allowance recorded:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial - Non Real Estate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial &amp; Industrial</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">594</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">600</font></td>
<td style="text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">544</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">602</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">26</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial Real Estate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Owner Occupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Non-owner occupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,112</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,124</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">150</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,128</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">64</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and Farmland:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,997</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,006</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,468</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,012</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">147</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity lines</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">402</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">404</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">325</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">404</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Single family</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,932</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,940</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,746</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,029</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">236</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Multifamily</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other Loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,037</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,074</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,233</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,175</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">486</font></td></tr>
<tr><td width="94%" colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Total:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">599</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">605</font></td>
<td style="text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">544</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">604</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">26</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial Real Estate</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,185</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,220</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">150</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,326</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">306</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and Farmland</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,358</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,367</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,468</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,478</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">168</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9,748</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9,763</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,071</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">10,463</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">346</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">19,890</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">19,955</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,233</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">20,871</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">846</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<div>

<table border="0" cellspacing="0">
<tr><td width="33%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="11%"> </td>
<td width="2%"> </td>
<td width="10%"> </td>
<td width="2%"> </td>
<td width="10%"> </td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="61%" colspan="10" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">As of December 31, 2010</font></b></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="61%" colspan="10" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Unpaid</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="11%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td style="text-indent: 1px;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Average</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Principal</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recorded</font></td>
<td width="13%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Related</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recorded</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Income</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Investment</font></td>
<td style="border-bottom: #000000 3px double;" width="13%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Allowance</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Investment</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recognized</font></td></tr>
<tr><td width="94%" colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">With no related allowance:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial - Non Real Estate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial &amp; Industrial</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial Real Estate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Owner Occupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,143</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,151</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,164</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">131</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Non-owner occupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,144</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,153</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,153</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">34</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and Farmland:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,447</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,447</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,451</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">70</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity lines</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">685</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">689</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">690</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">33</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Single family</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,432</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,450</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,736</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">90</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Multifamily</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other Loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,851</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,890</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 6px;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,194</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">358</font></td></tr>
<tr><td width="94%" colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">With an allowance recorded:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial - Non Real Estate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial &amp; Industrial</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">319</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">319</font></td>
<td style="text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">139</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">695</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">29</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial Real Estate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Owner Occupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">306</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">306</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">122</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">406</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Non-owner occupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">548</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">549</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">151</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">202</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">23</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and Farmland:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,102</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,102</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">622</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,259</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">68</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Equity lines</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Single family</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,055</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,093</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,623</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,653</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">319</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Multifamily</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other Loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8,330</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8,369</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,657</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,215</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">439</font></td></tr>
<tr><td width="94%" colspan="11">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Total:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">319</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">319</font></td>
<td style="text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">139</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">695</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">29</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial Real Estate</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,141</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,159</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">273</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,925</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">188</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and Farmland</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,549</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,549</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">622</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,710</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">138</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Residential</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,172</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">11,232</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,623</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9,079</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">442</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">20,181</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">20,259</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 2px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="11%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,657</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">18,409</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="10%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">797</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recorded investment is defined as the summation of the principal balance, accrued interest, and net deferred loan fees or costs.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Impaired loans at December 31, 2009 were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="71%"> </td>
<td width="2%"> </td>
<td width="25%"> </td></tr>
<tr valign="bottom"><td width="71%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="25%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td></tr>
<tr valign="bottom"><td width="71%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="25%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td></tr>
<tr valign="bottom"><td width="71%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="25%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="71%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Impaired loans for which,</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="71%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">an allowance has been provided</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,496</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="71%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">no allowance has been provided</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">147</font></td></tr>
<tr valign="bottom"><td width="71%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total impaired loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,643</font></td></tr>
<tr><td width="98%" colspan="3">&nbsp;</td></tr>
<tr valign="bottom"><td width="71%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Allowance provided for impaired</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="71%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">loans included in ALLL</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,253</font></td></tr>
<tr><td width="98%" colspan="3">&nbsp;</td></tr>
<tr valign="bottom"><td width="71%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Average balance of impaired loans</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,893</font></td></tr>
<tr><td width="98%" colspan="3">&nbsp;</td></tr>
<tr valign="bottom"><td width="71%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest income recognized</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">309</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company uses a rating system for evaluating the risks associated with non-consumer loans. Consumer loans are not evaluated for risk unless the characteristics of the loan fall within classified categories. Descriptions of these ratings are as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="15%"> </td>
<td width="84%"> </td></tr>
<tr valign="top"><td width="15%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Pass</font></p></td>
<td width="84%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Pass loans exhibit acceptable operating trends, balance sheet trends, and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the borrower in an as agreed manner.</font></p></td></tr>
<tr><td colspan="2">&nbsp;</td></tr>
<tr valign="top"><td width="15%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Watch</font></p></td>
<td width="84%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Watch loans exhibit income volatility, negative operating trends, and a highly leveraged balance sheet. A higher level of supervision is required for these loans as the potential for a negative event could impact the borrower's ability to repay the loan.</font></p></td></tr>
<tr valign="top"><td width="15%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Special mention</font></p></td>
<td width="84%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Special mention loans exhibit a potential weakness, if left uncorrected, may negatively affect the borrower's ability to repay its debt obligation. The risk of default is not imminent and the borrower still demonstrates sufficient cash flow to support the loan.</font></p></td></tr>
<tr valign="top"><td width="15%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Substandard</font></p></td>
<td width="84%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Substandard loans exhibit well defined weaknesses and have a high probability of default. The borrowers exhibit adverse financial trends but still have the ability to service debt obligations.</font></p></td></tr>
<tr><td colspan="2">&nbsp;</td></tr>
<tr valign="top"><td width="15%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Doubtful</font></p></td>
<td width="84%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Doubtful loans exhibit all of the characteristics inherent in substandard loans but the weaknesses make collection or full liquidation highly questionable.</font></p></td></tr>
<tr><td colspan="2">&nbsp;</td></tr>
<tr valign="top"><td width="15%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Loss</font></p></td>
<td width="84%">

<p><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Loss loans are considered uncollectible and of such little value that its continuance as a bankable asset is not warranted.</font></p></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Credit quality information by class at December 31, 2011 and 2010 was as follows:</font></p>

<div>

<table style="width: 725px; height: 450px;" border="0" cellspacing="0">
<tr><td width="27%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="64%" colspan="14" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">A s o f D e c e m be r 3 1, 2 0 11</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="64%" colspan="14" align="center">

<p><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">(in tho us a</font></b><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">&nbsp;nds )</font></b></p></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="8%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Special</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center"> </td>
<td width="7%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: #000000 1px solid;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">INTERNAL RISK RATING GRADES</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">P as s</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Watch</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="8%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Mentio n</font></td>
<td style="border-bottom: #000000 1px solid;" width="9%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Subs tandard</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Do ubtful</font></td>
<td style="border-bottom: #000000 1px solid; text-indent: 3px;" width="2%" align="center"> </td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Lo s s</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center"> </td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">To tal</font></td></tr>
<tr><td width="91%" colspan="15">&nbsp;</td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial - No n Real Es tate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left"> </td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 1px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial &amp;Indus trial</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">16,960</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,668</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">991</font></td>
<td style="text-indent: 3px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,215</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">32</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">- </font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">22,866</font></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial Real Es tate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right">&nbsp;</td>
<td width="2%" align="left"> </td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Owner Occupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td style="text-indent: 1px;" width="7%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">65,651</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">6,613</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">5,759</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,641</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">442</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">83,106</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">No n-o wner o ccupied</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">21,573</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">6,688</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,330</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">5,113</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">233</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">34,937</font></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co ns tructio n and Farmland:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right">&nbsp;</td>
<td width="2%" align="left"> </td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Res idential</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">9,839</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">755</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">10,594</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">15,990</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,657</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,595</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,029</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">104</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">24,375</font></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Res idential:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right">&nbsp;</td>
<td width="2%" align="left"> </td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Equity Lines</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">31,862</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">227</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">355</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">985</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">33,429</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Single family</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">150,520</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">5,939</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">10,249</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">11,134</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,367</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">179,209</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Multifamily</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,320</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,230</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">967</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,517</font></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">All o ther lo ans</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,485</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">721</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left"> </td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,206</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">To tal</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">318,200</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">25,022</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">23,722</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 3px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">28,117</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,178</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">- </font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">397,239</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>

<table border="0" cellspacing="0">
<tr><td width="51%"> </td>
<td width="2%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="20%"> </td></tr>
<tr valign="bottom"><td width="51%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">P erfo rming</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">No nperfo rming</font></td></tr>
<tr valign="bottom"><td width="51%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co ns umer Credit Expo s ure by</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="20%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 1px;" width="51%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">P ayment Activity</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">13,053</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">132</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>

<table style="width: 727px; height: 454px;" border="0" cellspacing="0">
<tr><td width="27%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="7%"> </td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="63%" colspan="14" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">A s o f D e c e m be r 3 1, 2 0 10</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="63%" colspan="14" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="1">(in tho us a nds )</font></b></td></tr>
<tr valign="bottom"><td width="27%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Special</font></td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="7%" align="center">&nbsp;</td>
<td width="2%" align="center"> </td>
<td width="7%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td style="border-bottom: #000000 1px solid;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">INTERNAL RISK RATING GRADES</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">P as s</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Watch</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Mentio n</font></td>
<td style="border-bottom: #000000 1px solid;" width="9%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Subs tandard</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Do ubtful</font></td>
<td style="border-bottom: #000000 1px solid; text-indent: 3px;" width="2%" align="center"> </td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Lo s s</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="center"> </td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">To tal</font></td></tr>
<tr><td width="90%" colspan="15">&nbsp;</td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial - No n Real Es tate:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left"> </td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 1px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial &amp;Indus trial</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">19,990</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">845</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,535</font></td>
<td style="text-indent: 3px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,812</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">267</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">- </font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">24,449</font></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial Real Es tate:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right">&nbsp;</td>
<td width="2%" align="left"> </td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Owner Occupied</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">65,983</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">5,686</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">8,823</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,899</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">83,391</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">No n-o wner o ccupied</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">25,569</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,322</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,113</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">986</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">32,990</font></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co ns tructio n and Farmland:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right">&nbsp;</td>
<td width="2%" align="left"> </td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Res idential</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">7,875</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,556</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">9,431</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co mmercial</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">17,492</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">790</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,378</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,672</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,129</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">26,461</font></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Res idential:</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right">&nbsp;</td>
<td width="2%" align="left"> </td>
<td width="7%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Equity Lines</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">41,430</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">182</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">67</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">860</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">150</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">42,689</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Single family</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">147,445</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,674</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,229</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">9,132</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">2,502</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">164,982</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Multifamily</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">3,272</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">1,636</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td width="2%" align="left"> </td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,908</font></td></tr>
<tr valign="bottom"><td width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">All o ther lo ans</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,581</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">49</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">-</font></td>
<td style="border-bottom: #000000 1px solid;" width="2%" align="left"> </td>
<td style="border-bottom: #000000 1px solid;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">4,630</font></td></tr>
<tr valign="bottom"><td style="text-indent: 2px;" width="27%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">To tal</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">333,637</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">17,740</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">18,145</font></td>
<td style="border-bottom: #000000 3px double; text-indent: 3px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">18,361</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">6,048</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">- </font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></font></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">393,931</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>

<table border="0" cellspacing="0">
<tr><td width="51%"> </td>
<td width="2%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="20%"> </td></tr>
<tr valign="bottom"><td width="51%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">P erfo rming</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">No nperfo rming</font></td></tr>
<tr valign="bottom"><td width="51%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">Co ns umer Credit Expo s ure by</font></td>
<td width="2%" align="right">&nbsp;</td>
<td width="20%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 1px;" width="51%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">P ayment Activity</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">14,262</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="1">256</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">One consumer loan was rated as watch for $17,000, one consumer loan was rated as special mention for $292,000, four consumer loans were rated as substandard for $19,000 and one consumer loan was rated as doubtful for $5,000 at December 31, 2011. One consumer loan was rated as watch for $23,000 and two consumer loans were rated as substandard for $10,000 at December 31, 2010.</font></p></div></div> </div><span></span></td>
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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesAdjustmentsNetAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivablesTextBlock">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for financing receivables. Examples of financing receivables include, but are not limited to, loans, trade accounts receivables, notes receivable, credit cards, and receivables relating to a lessor's right(s) to payment(s) from a lease other than an operating lease that is recognized as assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/subtopic&amp;trid=2196772<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 14<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6951925&amp;loc=SL6953791-111525<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Capital Requirements<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_efsi_CapitalRequirementsAbstract', window );"><strong>Capital Requirements [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Capital Requirements</a></td>
        <td class="text"><div> <div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 16. Capital Requirements</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company (on a consolidated basis) and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory and possibly additional discretionary actions by regulators that, if undertaken, could have a direct material effect on the Company's and Bank's financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of their assets, liabilities, and certain off-balance-sheet items as calculated under regulatory accounting practices. The capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors. Prompt corrective action provisions are not applicable to bank holding companies.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of total and Tier 1 capital (as defined in the regulations) to risk-weighted assets (as defined), and of Tier 1 capital to average assets (as defined). Management believes that the Company and the Bank met all capital adequacy requirements to which they are subject at December 31, 2011 and 2010.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">At December 31, 2011, the most recent notification from the Federal Reserve Bank categorized the Bank as well capitalized under the regulatory framework for prompt corrective action. To be categorized as well capitalized, an institution must maintain minimum total risk-based, Tier 1 risk-based, and Tier 1 leverage ratios as set forth in the tables. There are no conditions or events since the notification that management believes have changed the Bank's category. The following table presents the Company's and the Bank's actual capital amounts and ratios at December 31, 2011 and 2010:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="31%"> </td>
<td width="2%"> </td>
<td width="9%"> </td>
<td width="8%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="7%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="8%"> </td>
<td width="7%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Minimum</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">To Be Well</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Minimum</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Capitalized Under</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Capital</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Prompt Corrective</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="21%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Actual</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Requirement</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Action Provisions</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="9%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 3px double;" width="8%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Ratio</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="8%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Ratio</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="8%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 3px double;" width="7%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Ratio</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(dollars in thousands)</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2011:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total Capital to Risk Weighted Assets</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Consolidated</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">67,155</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16.96</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">31,670</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">N/A</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank of Clarke County</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">60,930</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15.55</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">31,338</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">39,172</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">10.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Tier 1 Capital to Risk Weighted Assets</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Consolidated</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">62,159</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15.70</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,835</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">N/A</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank of Clarke County</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">55,986</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14.29</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,669</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">23,503</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Tier 1 Capital to Average Assets</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Consolidated</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">62,159</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">10.88</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,844</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">N/A</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank of Clarke County</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">55,986</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9.86</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,706</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">28,382</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr>
<tr><td width="90%" colspan="13">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2010:</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Total Capital to Risk Weighted Assets</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Consolidated</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">64,692</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16.02</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">32,299</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">N/A</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank of Clarke County</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">58,111</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14.56</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">31,935</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">39,919</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">10.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Tier 1 Capital to Risk Weighted Assets</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Consolidated</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">59,619</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14.77</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">16,150</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">N/A</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank of Clarke County</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">53,095</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13.30</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,967</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">23,951</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr>
<tr valign="bottom"><td width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Tier 1 Capital to Average Assets</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="9%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="8%" align="left">&nbsp;</td>
<td width="7%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Consolidated</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">59,619</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">10.62</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,462</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">N/A</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="31%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank of Clarke County</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="9%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">53,095</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9.56</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td style="text-indent: 1px;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,226</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="8%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">27,783</font></td>
<td width="7%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5.00</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr></table></div></div> </div><span></span></td>
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                <p>The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable.  The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1G<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958577-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958570-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1E<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958574-112826<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15, 16, 17<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1C<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958572-112826<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1F<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958575-112826<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1D<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958573-112826<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958569-112826<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Employee Benefits<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2011</div>
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<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 12. Employee Benefits</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company has established an Employee Stock Ownership Plan (ESOP) to provide additional retirement benefits to substantially all employees. Contributions can be made to the Bank of Clarke County Employee Retirement Trust to be used to purchase the Company's common stock. There were no contributions in 2011, 2010, and 2009.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company sponsors a 401(k) savings plan under which eligible employees may defer a portion of salary on a pretax basis, subject to certain IRS limits. Prior to January 1, 2007, the Company matched 50 percent of employee contributions, on a maximum of six percent of salary deferred, with Company common stock or cash, as elected by each employee. The shares for this purpose are provided principally by the Company's employee stock ownership plan (ESOP), supplemented, as needed, by newly issued shares. Contributions under the plan amounted to $739,000 in 2011, $668,000 in 2010, and $675,000 in 2009. In conjunction with amending the pension plan, the 401(k) plan was amended, effective January 1, 2007, to include a non-elective safe-harbor employer contribution and an age-weighted employer contribution. Each December 31</font><sup><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">st</font></sup><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">, qualifying employees will receive a non-elective safe-harbor contribution equal to three percent of their salary for that year. Also, each December 31</font><sup><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">st</font></sup><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">, qualifying employees will receive an additional contribution based on their age and years of service. The percentage of salary for the age-weighted contribution increases on both factors, age and years of service, with a minimum of one percent of salary and a maximum of ten percent of salary.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company has established an Executive Supplemental Income Plan for certain key employees. Benefits are to be paid in monthly installments following retirement or death. The agreement provides that if employment is terminated for reasons other than death or disability prior to age 65, the amount of benefits could be reduced or forfeited. The executive supplemental income benefit expense, based on the present value of the retirement benefits, was $13,000 in 2011, $13,000 in 2010, and $14,000 in 2009. The plan is unfunded; however, life insurance has been acquired on the lives of these employees in amounts sufficient to discharge the plan's obligations.</font></p></div> </div><span></span></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Borrowings<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2011</div>
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<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 8. Borrowings</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company, through its subsidiary bank, borrows funds in the form of federal funds purchased, securities sold under agreements to repurchase and Federal Home Loan Bank advances.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Federal fund lines of credit are extended to the Bank by nonaffiliated banks with which a correspondent banking relationship exists. The line of credit amount is determined by the creditworthiness of the Bank and, in particular, its regulatory capital ratios, which are discussed in Note 16. Federal funds purchased generally mature each business day. The following table summarizes information related to federal funds purchased for the years ended December 31, 2011 and 2010:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="56%"> </td>
<td width="2%"> </td>
<td width="16%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="38%" colspan="6" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="34%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(dollars in thousands)</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance at year-end</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Average balance during the year</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">85</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">503</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Average interest rate during the year</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.54</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">0.70</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Maximum month-end balance during the year</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,945</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,680</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Gross lines of credit at year-end</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">36,000</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">36,000</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Unused lines of credit at year-end</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">36,000</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">36,000</font></td>
<td width="2%" align="left">&nbsp;</td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities sold under agreements to repurchase are borrowings in which the Bank obtains funds by selling securities and simultaneously agreeing to repurchase the securities for an agreed upon term at a given price which includes interest. The Company had $0 in funds from certain customers through retail repurchase agreements at December 31, 2011. Generally, the term for retail repurchase agreements is the next business day. The Company had $10,000,000 in funds from a larger financial institution through a wholesale repurchase agreement at December 31, 2011. The original term of this wholesale repurchase agreement, which was executed during 2008, was five years and the counterparty has the option to call the debt after three years. The amount of borrowings through securities sold under agreements to repurchase is restricted by the amount of securities which are designated for these transactions. The following table summarizes information related to securities sold under agreement to repurchase for the years ended December 31, 2011 and 2010:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="54%"> </td>
<td width="2%"> </td>
<td width="16%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="16%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="40%" colspan="6" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="36%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(dollars in thousands)</font></b></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance at year-end</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">10,000</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14,395</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Average balance during the year</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,416</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14,971</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Average interest rate during the year</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2.93</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2.56</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">%</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Maximum month-end balance during the year</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14,050</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,552</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities underlying the agreements at year-end:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Carrying value</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,150</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">19,198</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair value</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,918</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">19,667</font></td>
<td width="2%" align="left">&nbsp;</td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Bank had a $112,990,000 line of credit with the Federal Home Loan Bank of Atlanta which was secured by a blanket lien on the loan portfolio at December 31, 2011. The Company had $42,250,000 in advances outstanding at December 31, 2011 (see details below); therefore, the unused line of credit totaled $70,740,000. Advances bear interest at a fixed or floating rate depending on the terms and maturity of each advance and numerous renewal options are available to the Company.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company had $20,000,000 in short-term borrowings with the FHLB at December 31, 2011. The weighted average interest rate on outstanding short-term advances at December 31, 2011 was 3.55%.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company had $22,250,000 in long-term borrowings with the FHLB at December 31, 2011, which matures as follows: $2,250,000 in 2014 and $20,000,000 in 2015. The interest rates on the outstanding long-term advances at December 31, 2011 ranged from 3.02% to 4.07%. The weighted average interest rate on outstanding long-term advances at December 31, 2011 was 3.50%.</font></p></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19,20,22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19, 20, 22<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Bank Premises And Equipment, Net<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentAbstract', window );"><strong>Bank Premises And Equipment, Net [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock', window );">Bank Premises And Equipment, Net</a></td>
        <td class="text"><div> <div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 6. Bank Premises and Equipment, Net</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The major classes of bank premises and equipment and the total accumulated depreciation at December 31, 2011 and 2010 were as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="54%"> </td>
<td width="2%"> </td>
<td width="20%"> </td>
<td width="2%"> </td>
<td width="21%"> </td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="45%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="21%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td width="45%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Land</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,727</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,004</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Buildings and improvements</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14,914</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14,799</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Furniture and equipment</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,063</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,749</font></td></tr>
<tr valign="bottom"><td width="54%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">25,704</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">25,552</font></td></tr>
<tr valign="bottom"><td width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Less accumulated depreciation</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">10,504</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9,840</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="54%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Bank premises and equipment, net</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,200</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="21%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,712</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Depreciation expense on buildings and improvements was $443,000, $404,000, and $388,000 for the years ended December 31, 2011, 2010, and 2009, respectively. Depreciation expense on furniture and equipment was $400,000, $375,000, and $390,000 for the years ended December 31, 2011, 2010, and 2009, respectively.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Bank leases certain facilities under operating leases, which expire at various dates through 2032. These leases require payment of certain operating expenses and contain renewal options. The total minimum rental commitment at December 31, 2011 under these leases was due as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="76%"> </td>
<td width="3%"> </td>
<td width="20%"> </td></tr>
<tr valign="bottom"><td width="76%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="23%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2011</font></b></td></tr>
<tr valign="bottom"><td width="76%" align="left">&nbsp;</td>
<td width="23%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="76%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2012</font></td>
<td width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">104</font></td></tr>
<tr valign="bottom"><td width="76%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2013</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">82</font></td></tr>
<tr valign="bottom"><td width="76%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2014</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">50</font></td></tr>
<tr valign="bottom"><td width="76%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2015</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">50</font></td></tr>
<tr valign="bottom"><td width="76%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2016</font></td>
<td width="3%" align="left">&nbsp;</td>
<td width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">50</font></td></tr>
<tr valign="bottom"><td width="76%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Thereafter</font></td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">804</font></td></tr>
<tr valign="bottom"><td width="76%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="3%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="20%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,140</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The total building and equipment rental expense was $147,000, $176,000, and $174,000 in 2011, 2010, and 2009, respectively.</font></p></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software. This disclosure may include property plant and equipment accounting policies and methodology, a schedule of property, plant and equipment gross, additions, deletions, transfers and other changes, depreciation, depletion and amortization expense, net, accumulated depreciation, depletion and amortization expense and useful lives, income statement disclosures, assets held for sale and public utility disclosures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13-14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2921-110230<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Deposits<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 7. Deposits</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The composition of deposits at December 31, 2011 and 2010 was as follows:</font></p>

<div>

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<td width="2%"> </td>
<td width="18%"> </td>
<td width="2%"> </td>
<td width="18%"> </td></tr>
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<td style="border-bottom: #000000 3px double;" width="40%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td></tr>
<tr valign="bottom"><td width="57%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="20%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="20%" colspan="2" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td></tr>
<tr valign="bottom"><td width="57%" align="left">&nbsp;</td>
<td width="40%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr><td width="97%" colspan="5">&nbsp;</td></tr>
<tr valign="bottom"><td width="57%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Noninterest bearing demand deposits</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">107,237</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">98,256</font></td></tr>
<tr><td width="97%" colspan="5">&nbsp;</td></tr>
<tr valign="bottom"><td width="57%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Savings and interest bearing demand deposits:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" width="57%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">NOW accounts</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">78,927</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">72,413</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" width="57%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Money market accounts</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">83,393</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">69,766</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" width="57%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Regular savings accounts</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">47,838</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">42,369</font></td></tr>
<tr valign="bottom"><td width="57%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">210,158</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">184,548</font></td></tr>
<tr valign="bottom"><td width="57%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Time deposits:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" width="57%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balances of less than $100,000</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">76,956</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">85,269</font></td></tr>
<tr valign="bottom"><td style="text-indent: 6px;" width="57%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balances of $100,000 and more</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">54,114</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">61,223</font></td></tr>
<tr valign="bottom"><td width="57%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">131,070</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">146,492</font></td></tr>
<tr valign="bottom"><td width="57%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">448,465</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">429,296</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Time deposits with balances of less than $100,000 include $10,107,000 and $20,172,000 in brokered certificates of deposit at December 31, 2011 and 2010, respectively. Time deposits with balances of $100,000 and more include $6,523,000 and $11,726,000 in brokered certificates of deposit at December 31, 2011 and 2010, respectively.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The outstanding balance of time deposits at December 31, 2011 was due as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="69%"> </td>
<td width="2%"> </td>
<td width="25%"> </td></tr>
<tr valign="bottom"><td width="69%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="25%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31, 2011</font></b></td></tr>
<tr valign="bottom"><td width="69%" align="left">&nbsp;</td>
<td width="2%" align="center">&nbsp;</td>
<td width="25%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="69%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2012</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">97,180</font></td></tr>
<tr valign="bottom"><td width="69%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2013</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">12,970</font></td></tr>
<tr valign="bottom"><td width="69%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2014</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">15,364</font></td></tr>
<tr valign="bottom"><td width="69%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2015</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,701</font></td></tr>
<tr valign="bottom"><td width="69%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2016</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,855</font></td></tr>
<tr valign="bottom"><td width="69%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="25%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">131,070</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Deposit overdrafts reclassified as loans totaled $156,000 and $107,000 at December 31, 2011 and 2010, respectively.</font></p></div> </div><span></span></td>
      </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Income Taxes<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxDisclosureTextBlock', window );">Income Taxes</a></td>
        <td class="text"><div> <div>

<div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 9. Income Taxes</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company files income tax returns with the United States of America and the Commonwealth of Virginia. With few exceptions, the Company is no longer subject to federal, state, or local income tax examinations for years prior to 2008.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The net deferred tax asset at December 31, 2011 and 2010 consisted of the following components:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="61%"> </td>
<td width="2%"> </td>
<td width="16%"> </td>
<td width="2%"> </td>
<td width="16%"> </td></tr>
<tr valign="bottom"><td width="61%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="36%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td></tr>
<tr valign="bottom"><td width="61%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td></tr>
<tr valign="bottom"><td width="61%" align="left">&nbsp;</td>
<td width="36%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Deferred tax assets:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Allowance for loan losses</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,973</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,418</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Deferred compensation</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">109</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">116</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accrued postretirement benefits</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">51</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">49</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accrued pension benefits</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">147</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Home equity origination costs</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">36</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">45</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other than temporary impairment</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">876</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">846</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest rate swap</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">197</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">57</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other real estate owned expenses</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">39</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">125</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">243</font></td></tr>
<tr valign="bottom"><td width="61%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,380</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,960</font></td></tr>
<tr valign="bottom"><td width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Deferred tax liabilities:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Property and equipment</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">566</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">458</font></td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="61%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Securities available for sale</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,681</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">796</font></td></tr>
<tr valign="bottom"><td width="61%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,247</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,254</font></td></tr>
<tr valign="bottom"><td width="61%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Net deferred tax asset</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,133</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,706</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company has not recorded a valuation allowance for deferred tax assets because management believes that it is more likely than not that they will be ultimately realized.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Income tax expense for the years ended December 31, 2011, 2010 and 2009 consisted of the following components:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="32%"> </td>
<td width="2%"> </td>
<td width="16%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="16%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="32%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="32%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="32%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Current tax expense</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,688</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,381</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,667</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="32%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Deferred tax (benefit)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(317</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(362</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(652</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td width="32%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,371</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="16%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,019</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,015</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following table reconciles income tax expense to the statutory federal corporate income tax amount, which was calculated by applying the federal corporate income tax rate to pre-tax income for the years ended December 31, 2011, 2010 and 2009.</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="34%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="14%"> </td>
<td width="2%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td></tr>
<tr valign="bottom"><td width="34%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="34%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td></tr>
<tr valign="bottom"><td width="34%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="34%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Statutory federal corporate tax amount</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,936</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,572</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,515</font></td>
<td width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="34%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Tax-exempt interest income</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(563</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(544</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(505</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td></tr>
<tr valign="bottom"><td width="34%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(2</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(9</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">)</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="34%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,371</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="14%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,019</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,015</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 136, 172<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43, 44, 45, 46, 47, 48, 49<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Derivative Instruments And Hedging Activities<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GeneralDiscussionOfDerivativeInstrumentsAndHedgingActivitiesAbstract', window );"><strong>Derivative Instruments And Hedging Activities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock', window );">Derivative Instruments And Hedging Activities</a></td>
        <td class="text"><div> <div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 14. Derivative Instruments and Hedging Activities</font></b></p>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest Rate Swaps</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company uses interest rate swaps to reduce interest rate risks and to manage interest expense. By entering into these agreements, the Company converts floating rate debt into fixed rate debt, or alternatively, converts fixed rate debt into floating rate debt. Interest differentials paid or received under the swap agreements are reflected as adjustments to interest expense. These interest rate swap agreements are derivative instruments that qualify for hedge accounting as discussed in Note 1. The notional amounts of the interest rate swaps are not exchanged and do not represent exposure to credit loss. In the event of default by a counterparty, the risk in these transactions is the cost of replacing the agreements at current market rates.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">On December 4, 2008, the Company entered into an interest rate swap agreement related to the outstanding trust preferred capital notes. The swap agreement became effective on December 1, 2008. The notional amount of the interest rate swap was $7,000,000 and has an expiration date of December 1, 2016. The estimated fair value was $(580,000) at December 31, 2011 and $(169,000) at December 31, 2010. Under the terms of the agreement, the Company pays interest quarterly at a fixed rate of 2.85% and receives interest quarterly at a variable rate of three month LIBOR. The variable rate resets on each interest payment date. The Company recognized interest expense of $180,000 in 2011 and $178,000 in 2010 related to this interest rate swap.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following table summarizes the fair value of derivative instruments at December 31, 2011 and 2010:</font></p>

<div>

<table style="width: 1022px; height: 234px;" border="0" cellspacing="0">
<tr><td width="33%"> </td>
<td width="16%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="16%"> </td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double; text-indent: 14px;" width="33%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="33%" colspan="3" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="16%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance Sheet</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair</font></td>
<td width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Balance Sheet</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Fair</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Location</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Value</font></td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Location</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="16%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Value</font></td></tr>
<tr valign="bottom"><td width="33%" align="left">&nbsp;</td>
<td width="66%" colspan="6" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(dollars in thousands)</font></td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Derivatives designated</font></td>
<td width="16%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">as hedging instruments</font></td>
<td width="16%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">under GAAP</font></td>
<td width="16%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="15%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="16%" align="left">&nbsp;</td></tr>
<tr><td width="99%" colspan="7">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 3px;" width="33%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest rate swap contracts</font></td>
<td width="16%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other Liabilities</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="text-indent: 5px;" width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">580</font></td>
<td width="15%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Other Liabilities</font></td>
<td width="2%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="16%" align="right">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">169</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The following tables present the effect of the derivative instrument on the Consolidated Balance Sheet at December 31, 2011 and 2010 and the Consolidated Statements of Income for December 31, 2011, 2010, and 2009:</font></p>

<div>

<table style="width: 1215px; height: 276px;" border="0" cellspacing="0">
<tr><td width="14%"> </td>
<td width="1%"> </td>
<td width="14%"> </td>
<td width="1%"> </td>
<td width="15%"> </td>
<td width="11%"> </td>
<td width="1%"> </td>
<td width="12%"> </td>
<td width="1%"> </td>
<td width="13%"> </td>
<td width="1%"> </td>
<td width="13%"> </td></tr>
<tr valign="bottom"><td width="14%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="83%" colspan="11" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Year Ended December 31,</font></td></tr>
<tr valign="bottom"><td width="14%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="1%" align="left"> </td>
<td width="15%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="41%" colspan="6" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Amount of Loss</font></td></tr>
<tr valign="bottom"><td width="14%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="30%" colspan="3" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Amount of Loss</font></td>
<td width="11%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Location of Loss</font></td>
<td width="41%" colspan="6" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Reclassified from</font></td></tr>
<tr valign="bottom"><td width="14%" align="left">&nbsp;</td>
<td width="1%" align="right">&nbsp;</td>
<td width="30%" colspan="3" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Recognized in OCI</font></td>
<td width="11%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Reclassified from</font></td>
<td width="41%" colspan="6" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accumulated</font></td></tr>
<tr valign="bottom"><td width="14%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Derivatives in GAAP</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="30%" colspan="3" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">on Derivative</font></td>
<td width="11%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Accumulated OCI</font></td>
<td width="41%" colspan="6" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">OCI into Income</font></td></tr>
<tr valign="bottom"><td width="14%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Cash Flow Hedging</font></td>
<td style="border-bottom: #000000 3px double;" width="1%" align="right">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="30%" colspan="3" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(Effective Portion)</font></td>
<td width="11%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">into Income</font></td>
<td style="border-bottom: #000000 3px double;" width="41%" colspan="6" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(Ineffective Portion)</font></td></tr>
<tr valign="bottom"><td style="border-bottom: #000000 1px solid;" width="14%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Relationships</font></td>
<td style="border-bottom: #000000 1px solid;" width="15%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></td>
<td style="border-bottom: #000000 1px solid;" width="16%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></td>
<td style="border-bottom: #000000 1px solid;" width="11%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(Ineffective Portion)</font></td>
<td style="border-bottom: #000000 1px solid;" width="13%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></td>
<td style="border-bottom: #000000 1px solid;" width="14%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></td>
<td style="border-bottom: #000000 1px solid;" width="14%" colspan="2" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2009</font></td></tr>
<tr valign="bottom"><td width="14%" align="left">&nbsp;</td>
<td width="31%" colspan="4" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(dollars in thousands)</font></td>
<td width="11%" align="left">&nbsp;</td>
<td width="41%" colspan="6" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(dollars in thousands)</font></td></tr>
<tr><td width="97%" colspan="12">&nbsp;</td></tr>
<tr valign="bottom"><td width="14%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Interest rate swap</font></td>
<td width="1%" align="right">&nbsp;</td>
<td width="14%" align="left">&nbsp;</td>
<td width="1%" align="left"> </td>
<td width="15%" align="left">&nbsp;</td>
<td width="11%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="12%" align="left">&nbsp;</td>
<td width="1%" align="left"> </td>
<td width="13%" align="left">&nbsp;</td>
<td width="1%" align="left">&nbsp;</td>
<td width="13%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td width="14%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">contracts, net of tax</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="14%" align="right">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">(271)</font></td>
<td width="1%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">&nbsp;$</font></font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">&nbsp;(273)</font></td>
<td width="11%" align="center"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">N/A</font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="12%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">- </font></td>
<td width="1%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">&nbsp;$</font></font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">- </font></td>
<td width="1%" align="left">&nbsp;<font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="13%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">-</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the entity's entire derivative instruments and hedging activities.  Describes an entity's risk management strategies, derivatives in hedging activities and non-hedging derivative instruments, the assets, obligations, liabilities, revenues and expenses arising therefrom, and the amounts of and methodologies and assumptions used in determining the amounts of such items.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 44<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6935481&amp;loc=SL5580258-113959<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(n))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 815<br><br> -SubTopic 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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Financial Instruments With Off-Balance-Sheet Risk<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div> <div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 19. Financial Instruments with Off-Balance-Sheet Risk</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company, through its subsidiary bank, is a party to credit related financial instruments with off-balance-sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit, unfunded commitments under lines of credit, and commercial and standby letters of credit. Such commitments involve, to varying degrees, elements of credit and interest rate risk in excess of the amount recognized in the consolidated balance sheets.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Company's exposure to credit loss is represented by the contractual amount of these instruments. The Company uses the same credit policies in making commitments as it does for on-balance-sheet instruments.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">At December 31, 2011 and 2010, the following financial instruments were outstanding whose contract amounts represent credit risk:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="62%"> </td>
<td width="2%"> </td>
<td width="15%"> </td>
<td width="2%"> </td>
<td width="15%"> </td></tr>
<tr valign="bottom"><td width="62%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="15%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td></tr>
<tr valign="bottom"><td width="62%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commitments to extend credit</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">9,448,000</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">6,111,000</font></td></tr>
<tr valign="bottom"><td width="62%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Unfunded commitments under lines of credit</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">65,193,000</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">64,195,000</font></td></tr>
<tr valign="bottom"><td width="62%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial and standby letters of credit</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">5,684,000</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="15%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,953,000</font></td></tr></table></div>

<p style="margin: 0px;">&nbsp;</p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commitments to extend credit are agreements to lend to a customer as long as the terms offered are acceptable and certain other conditions are met. Commitments generally have fixed expiration dates or other termination clauses. Since these commitments may expire or terminate, the total commitment amounts do not necessarily represent future cash requirements. The amount of collateral obtained, with regards to these commitments, is based on management's credit evaluation of the customer.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Unfunded commitments under lines of credit are contracts for possible future extensions of credit to existing customers. Unfunded commitments under lines of credit include, but are not limited to, home equity lines of credit, overdraft protection lines of credit, credit cards, and unsecured and secured commercial lines of credit. The terms and conditions of these commitments vary depending on the line of credit's purpose, collateral, and maturity. The amount disclosed above represents total unused lines of credit for which a contract with the Bank has been established.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial and standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. These letters of credit are primarily issued to support public and private borrowing arrangements. Essentially all letters of credit issued have expiration dates within one year. The credit risk involved in issuing letters of credit is essentially the same as that involved in granting loans to customers. The Bank holds collateral supporting these commitments if it is deemed necessary. At December 31, 2011, none of the outstanding letters of credit were collateralized.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The Bank has cash accounts in other commercial banks. The amount on deposit in these banks at December 31, 2011 exceeded the insurance limits of the Federal Deposit Insurance Corporation by $238,000.</font></p></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for financial instruments. This disclosure includes, but is not limited to, fair value measurements of short and long term marketable securities, international currencies forward contracts, and auction rate securities. Financial instruments may include hedging and non-hedging currency exchange instruments, derivatives, securitizations and securities available for sale at fair value. Also included are investment results, realized and unrealized gains and losses as well as impairments and risk management disclosures.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EHMAK">
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        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Consolidated Statements Of Changes In Shareholders' Equity (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Common Stock [Member]</div>
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          <div>Surplus [Member]</div>
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        <td class="nump">$ 7,796<span></span></td>
        <td class="nump">$ 32,779<span></span></td>
        <td class="num">$ (1,634)<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,441<span></span></td>
        <td class="nump">3,441<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Other comprehensive income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Changes in benefit obligations and plan assets for defined benefit and post retirement benefit plans, net of deferred income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">491<span></span></td>
        <td class="nump">491<span></span></td>
        <td class="nump">491<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPeriodIncreaseDecrease', window );">Change in market value of interest rate swap, net of deferred income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">312<span></span></td>
        <td class="nump">312<span></span></td>
        <td class="nump">312<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Unrealized gain on available for sale securities, net of deferred income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,923<span></span></td>
        <td class="nump">1,923<span></span></td>
        <td class="nump">1,923<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Total comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,167<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock, stock incentive plan</a></td>
        <td class="nump">9<span></span></td>
        <td class="num">(9)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation', window );">Income tax expense on vesting of restricted stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(6)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(6)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">166<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">166<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">Issuance of common stock, dividend investment plan</a></td>
        <td class="nump">91<span></span></td>
        <td class="nump">492<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">583<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueEmployeeBenefitPlan', window );">Issuance of common stock, employee benefit plan</a></td>
        <td class="nump">11<span></span></td>
        <td class="nump">65<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">76<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStock', window );">Dividends declared</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,172)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,172)<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2009</a></td>
        <td class="nump">7,999<span></span></td>
        <td class="nump">8,504<span></span></td>
        <td class="nump">34,048<span></span></td>
        <td class="nump">1,092<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">51,643<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAbstract', window );"><strong>Comprehensive income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,605<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,605<span></span></td>
        <td class="nump">3,605<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Other comprehensive income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Changes in benefit obligations and plan assets for defined benefit and post retirement benefit plans, net of deferred income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">275<span></span></td>
        <td class="nump">275<span></span></td>
        <td class="nump">275<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPeriodIncreaseDecrease', window );">Change in market value of interest rate swap, net of deferred income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(273)<span></span></td>
        <td class="num">(273)<span></span></td>
        <td class="num">(273)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Unrealized gain on available for sale securities, net of deferred income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">116<span></span></td>
        <td class="nump">116<span></span></td>
        <td class="nump">116<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Total comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,723<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock, stock incentive plan</a></td>
        <td class="nump">30<span></span></td>
        <td class="num">(30)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation', window );">Income tax expense on vesting of restricted stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(9)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(9)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">116<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">116<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">Issuance of common stock, dividend investment plan</a></td>
        <td class="nump">95<span></span></td>
        <td class="nump">495<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">590<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStock', window );">Dividends declared</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,234)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,234)<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2010</a></td>
        <td class="nump">8,124<span></span></td>
        <td class="nump">9,076<span></span></td>
        <td class="nump">35,419<span></span></td>
        <td class="nump">1,210<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">53,829<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAbstract', window );"><strong>Comprehensive income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,322<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,322<span></span></td>
        <td class="nump">4,322<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Other comprehensive income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Changes in benefit obligations and plan assets for defined benefit and post retirement benefit plans, net of deferred income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">275<span></span></td>
        <td class="nump">275<span></span></td>
        <td class="nump">275<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPeriodIncreaseDecrease', window );">Change in market value of interest rate swap, net of deferred income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(271)<span></span></td>
        <td class="num">(271)<span></span></td>
        <td class="num">(271)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Unrealized gain on available for sale securities, net of deferred income taxes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,717<span></span></td>
        <td class="nump">1,717<span></span></td>
        <td class="nump">1,717<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Total comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,043<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueRestrictedStockAwardNetOfForfeitures', window );">Issuance of restricted stock, stock incentive plan</a></td>
        <td class="nump">23<span></span></td>
        <td class="num">(23)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation', window );">Income tax expense on vesting of restricted stock</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(3)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(3)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">166<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">166<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan', window );">Issuance of common stock, dividend investment plan</a></td>
        <td class="nump">96<span></span></td>
        <td class="nump">508<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">604<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueEmployeeBenefitPlan', window );">Issuance of common stock, employee benefit plan</a></td>
        <td class="nump">13<span></span></td>
        <td class="nump">76<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">89<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodValue', window );">Retirement of common stock</a></td>
        <td class="num">(39)<span></span></td>
        <td class="num">(232)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(271)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStock', window );">Dividends declared</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,367)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,367)<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2011</a></td>
        <td class="nump">$ 8,217<span></span></td>
        <td class="nump">$ 9,568<span></span></td>
        <td class="nump">$ 37,374<span></span></td>
        <td class="nump">$ 2,931<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 58,090<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the amount of recognized equity-based compensation during the period, that is, the amount recognized as expense in the income statement (or as asset if compensation is capitalized). Alternate captions include the words "stock-based compensation".</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 35<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415241&amp;loc=d3e4534-113899<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6576910&amp;loc=d3e11149-113907<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A91<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6576910&amp;loc=d3e11178-113907<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 39<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax benefit associated with any equity-based compensation plan other than an employee stock ownership plan (ESOP). The tax benefit results from the deduction by the entity on its tax return for an award of stock that exceeds the cumulative compensation cost for common stock or preferred stock recognized for financial reporting. Includes any resulting tax benefit that exceeds the previously recognized deferred tax asset (excess tax benefits).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 740<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6419406&amp;loc=d3e23524-113945<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 62<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e540-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A5<br><br> -Appendix A<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 8, 9, 10, 11, 12, 13, 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6508144<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e557-108580<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTaxAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of aggregate cash, stock, and paid-in-kind dividends declared for common shareholders during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsCommonStock</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease">
        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) in accumulated comprehensive income during the period related to pension and other postretirement benefit plans, after tax. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14, 17, 22, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net of tax effect change in accumulated gains and losses from derivative instruments designated and qualifying as the effective portion of cash flow hedges after taxes. A cash flow hedge is a hedge of the exposure to variability in the cash flows of a recognized asset or liability or a forecasted transaction that is attributable to a particular risk. The change includes an entity's share of an equity investee's increase or decrease in deferred hedging gains or losses. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 31, 46<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14, 17, 20, 24, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 46<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14, 17, 20, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDerivativesQualifyingAsHedgesNetOfTaxPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Appreciation or loss in value (before reclassification adjustment) of the total of unsold securities during the period being reported on, net of tax. Reclassification adjustments include: (1) the unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category; (2) the unrealized gains (losses) realized upon the sale of securities, after tax; and (3) the unrealized gains (losses) realized upon the write-down of securities, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 17, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A3<br><br> -Appendix A<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquity</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of stock issued during the period from a dividend reinvestment plan (DRIP). A dividend reinvestment plan allows the holder of the stock to reinvest dividends paid to them by the entity on new issues of stock by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodValueDividendReinvestmentPlan</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueEmployeeBenefitPlan">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of shares issued during the period to an employee benefit plan, such as a defined contribution or defined benefit plan.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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                <p>Value of stock related to Restricted Stock Awards issued during the period, net of the stock value of such awards forfeited.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
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                <p>Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Chapter 1<br><br> -Section B<br><br> -Paragraph 11A<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loans<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableDisclosureAbstract', window );"><strong>Loans [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">Loans</a></td>
        <td class="text"><div> <div>

<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 3. Loans</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The composition of loans at December 31, 2011 and 2010 was as follows:</font></p>

<div>

<table border="0" cellspacing="0">
<tr><td width="56%"> </td>
<td width="2%"> </td>
<td width="18%"> </td>
<td width="2%"> </td>
<td width="18%"> </td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="40%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">December 31,</font></b></td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2011</font></b></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="center">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">2010</font></b></td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td width="40%" colspan="4" align="center"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">(in thousands)</font></b></td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Mortgage loans on real estate:</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="left">&nbsp;</td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="left">&nbsp;</td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Construction and land development</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">31,579</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">31,560</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Secured by farmland</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,390</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,332</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Secured by 1-4 family residential properties</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">212,638</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">207,671</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Multifamily</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,517</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">4,908</font></td></tr>
<tr valign="bottom"><td style="text-indent: 4px;" width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">118,043</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">116,381</font></td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Loans to farmers</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,910</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">1,293</font></td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Commercial and industrial loans</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">22,866</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">24,449</font></td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Consumer installment loans</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">13,185</font></td>
<td width="2%" align="left">&nbsp;</td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">14,518</font></td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">All other loans</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">2,296</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">3,337</font></td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">410,424</font></td>
<td width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">408,449</font></td></tr>
<tr valign="bottom"><td width="56%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Less: Allowance for loan losses</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">8,743</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">7,111</font></td></tr>
<tr valign="bottom"><td width="56%" align="left">&nbsp;</td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">401,681</font></td>
<td style="border-bottom: #000000 3px double;" width="2%" align="left"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">$</font></td>
<td style="border-bottom: #000000 3px double;" width="18%" align="right"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">401,338</font></td></tr></table></div></div> </div><span></span></td>
      </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables.</p>
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          <div style="width: 200px;"><strong>Trust Preferred Capital Notes<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2011</div>
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<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 20. Trust Preferred Capital Notes</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In June 2007, Eagle Financial Statutory Trust II (the "Trust II"), a wholly-owned subsidiary of the Company, was formed for the purpose of issuing redeemable capital securities. On June 20, 2007, Trust II issued $7,000,000 of trust preferred securities and $217,000 in common equity. The principal asset of Trust II is $7,217,000 of the Company's junior subordinated debt securities with the same maturity and interest rate structures as the capital securities. The securities have a LIBOR-indexed floating rate of interest and the interest rate was 2.15% and 1.92% at December 31, 2011 and 2010, respectively. The securities have a mandatory redemption date of September 1, 2037, and are subject to varying call provisions beginning September 1, 2012.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The trust preferred securities are included in Tier 1 capital for regulatory capital adequacy purposes as long as their amount does not exceed 25% of Tier 1 capital, including total trust preferred securities. The portion of the trust preferred securities not considered as Tier 1 capital, if any, may be included in Tier 2 capital. At December 31, 2011, the total amount ($7,000,000) of trust preferred securities issued by Trust II are included in the Company's Tier 1 capital.</font></p>

<div>&nbsp;</div><br />

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">The obligations of the Company with respect to the issuance of the capital securities constitute a full and unconditional guarantee by the Company of the Trust's obligations with respect to the capital securities.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">Subject to certain exceptions and limitations, the Company may elect from time to time to defer interest payments on the junior subordinated debt securities, which would result in a deferral of distribution payments on the related capital securities.</font></p></div></div> </div><span></span></td>
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          <div style="width: 200px;"><strong>Commitments And Contingencies<br></strong></div>
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        <th class="th" colspan="1">12 Months Ended</th>
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          <div>Dec. 31, 2011</div>
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<p style="text-align: left;"><b><font style="font-family: TimesNewRomanPS-BoldMT,Times New Roman,Times,serif;" class="_mt" size="2">NOTE 13. Commitments and Contingencies</font></b></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">In the normal course of business, the Company makes various commitments and incurs certain contingent liabilities, which are not reflected in the accompanying financial statements. These commitments and contingent liabilities include various guarantees, commitments to extend credit and standby letters of credit. The Company does not anticipate any material losses as a result of these commitments.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">During the normal course of business, various legal claims arise from time to time which, in the opinion of management, will have no material effect on the Company's consolidated financial statements.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">As a member of the Federal Reserve System, the Bank is required to maintain certain average reserve balances. These reserve balances include usable vault cash and amounts on deposit with the Federal Reserve Bank. For the final weekly reporting period in the years ended December 31, 2011 and 2010, the amount of daily average required balances were approximately $630,000 and $824,000, respectively. In addition, the Bank was required to maintain a compensating balance on deposit with a correspondent bank in the amount of $250,000 at December 31, 2011 and 2010.</font></p>

<p style="text-align: left;"><font style="font-family: TimesNewRomanPSMT,Times New Roman,Times,serif;" class="_mt" size="2">See Note 19 with respect to financial instruments with off-balance-sheet risk.</font></p></div></div> </div><span></span></td>
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                <p>The entire disclosure for commitments and contingencies.</p>
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