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<SEC-DOCUMENT>0001002105-08-000249.txt : 20080724
<SEC-HEADER>0001002105-08-000249.hdr.sgml : 20080724
<ACCEPTANCE-DATETIME>20080724142149
ACCESSION NUMBER:		0001002105-08-000249
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20080722
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20080724
DATE AS OF CHANGE:		20080724

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST NATIONAL CORP /VA/
		CENTRAL INDEX KEY:			0000719402
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				541232965
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23976
		FILM NUMBER:		08967905

	BUSINESS ADDRESS:	
		STREET 1:		112 WEST KING STREET
		CITY:			STRASBURG
		STATE:			VA
		ZIP:			22657
		BUSINESS PHONE:		5404659121

	MAIL ADDRESS:	
		STREET 1:		112 WEST KING STREET
		CITY:			STRASBURG
		STATE:			VA
		ZIP:			22657
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>UNITED STATES</font></B></p>

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

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

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>FORM 8-K</font></B></p>

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</font></b></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Date of Report (Date of earliest event reported): </font><b><font size=2>July 22, 2008</font></b></p>

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

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

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Exact name of registrant as specified in its charter)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:1in;text-align:center;'><font size=2>&nbsp;</font></p>


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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="634">
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            <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:14.0pt'><b><font size=2>Virginia</font></b></p>
<p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:13.0pt'><font size=2>(State or other jurisdiction</font></p>
<p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:13.0pt'><font size=2>of incorporation)</font></p> </td>
        <td  colspan="2" valign=top style='padding:.75pt .75pt .75pt .75pt'>
            <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:14.0pt'><b><font size=2>0-23976</font></b></p>
<p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:13.0pt'><font size=2>(Commission File Number)</font></p> </td>
        <TD VALIGN="top" STYLE="padding:.75pt .75pt .75pt .75pt">
            <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:14.0pt'><b><font size=2>54-1232965</font></b></p>
<p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:13.0pt'><font size=2>(IRS Employer</font></p>
<p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:13.0pt'><font size=2>Identification No.)</font></p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:.75pt .75pt .75pt .75pt">
            <p style='margin:0in;margin-bottom:.0001pt'><font size=2>&nbsp;</font></p> </td>
        <td  colspan="2" valign=top style='padding:.75pt .75pt .75pt .75pt'>
            <p style='margin:0in;margin-bottom:.0001pt'><font size=2>&nbsp;</font></p> </td>
        <TD VALIGN="top" STYLE="padding:.75pt .75pt .75pt .75pt">
            <p style='margin:0in;margin-bottom:.0001pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr >
        <td  colspan="2" valign=top style='padding:.75pt .75pt .75pt .75pt'>
            <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:14.0pt'><b><font size=2>112 West King Street</font></b></p>
<p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:14.0pt'><b><font size=2>Strasburg, Virginia</font></b></p>
<p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:13.0pt'><font size=2>(Address of principal executive offices)</font></p> </td>
        <td  colspan="2" valign=top style='padding:.75pt .75pt .75pt .75pt'>
            <p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center'><font size=1>&nbsp;</font></p>
<p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:14.0pt'><b><font size=2>22657</font></b></p>
<p align=center style='margin:0in;margin-bottom:.0001pt;text-align:center; line-height:13.0pt'><font size=2>(Zip Code)</font></p> </td> </tr>
    <tr>
        <TD WIDTH="205"></td>

        <TD WIDTH="112"></td>

        <TD WIDTH="112"></td>

        <TD WIDTH="205"></td> </tr> </table>
            </div>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Registrant&#146;s telephone number, including area code: </font><b><font size=2>(540) 465-9121</font></b></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><b><font size=2>Not Applicable</font></b></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Former name or former address, if changed since last report)</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:</font></p>

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


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            <p style='margin:0in;margin-bottom:.0001pt;line-height:14.0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="24" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font face=Wingdings>o</font></p> </td>
        <td width="552" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font size=2>&nbsp;&nbsp;Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin:0in;margin-bottom:.0001pt;line-height:14.0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font face=Wingdings>o</font></p> </td>
        <td width="555" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font size=2>&nbsp;&nbsp;Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:left;'><font face=Wingdings>o</font>&nbsp;&nbsp;&nbsp;<font size=2>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:0.25in;text-align:left;'><font face=Wingdings>o</font>&nbsp;&nbsp;&nbsp;<font size=2>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><b><font size=2>Item 2.02</font></b></p> </td>
        <td width="316" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><b><font size=2>Results of Operations and Financial Condition.</font></b></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:-1in;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.5in;text-align:left;'><font size=2>On July 22, 2008, the Registrant issued a press release reporting its financial results for the period ended June 30, 2008. &nbsp;A copy of the press release is being furnished as an exhibit to this report and is incorporated by reference into this Item 2.02.</font></p>

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><b><font size=2>Item 9.01</font></b></p> </td>
        <td width="240" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><b><font size=2>Financial Statements and Exhibits.</font></b></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin:0in;margin-bottom:.0001pt;line-height:14.0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="48" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font size=2>(d)</font></p> </td>
        <td width="488" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font size=2>Exhibits.  The following exhibit is being furnished pursuant to Item 2.02 above. &nbsp;</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin:0in;margin-bottom:.0001pt;line-height:14.0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="144" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><u><b><font size=2>Exhibit No.</font></b></u></p> </td>
        <td width="93" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><u><b><font size=2>Description</font></b></u></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


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            <p style='margin:0in;margin-bottom:.0001pt;line-height:14.0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="144" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font size=2>99.1</font></p> </td>
        <td width="219" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font size=2>Press Release dated July 22, 2008</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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

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

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

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

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

<p style=' margin-bottom:0pt; margin-top:0pt; margin-left:2in; text-indent:0.5in;text-align:left;'><font size=2>&nbsp;</font></p>

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

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


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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="376" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><B><font SIZE=2>FIRST NATIONAL CORPORATION </font></B></p> </td> </tr>
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        <td width="310" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="376" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>(Registrant)</font></p> </td> </tr>
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        <td width="310" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="376" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td> </tr>
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        <td width="310" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Date: &nbsp;July 24, 2008</font></p> </td>
        <td width="376" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>By: </font><u><font size=2>/s/ M. Shane Bell</font></u></p> </td> </tr>
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        <td width="310" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin:0in;margin-bottom:.0001pt;line-height:14.0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="376" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:.25in;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>M. Shane Bell </font></p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="376" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:.25in;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Executive Vice President </font></p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></p> </td>
        <td width="376" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:.25in;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>and Chief Financial Officer</font></p> </td> </tr></table>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

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

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

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


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            <p style='margin:0in;margin-bottom:.0001pt;line-height:14.0pt'><font size=1>&nbsp;</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><u><font size=2>Exhibit No.</font></u></p> </td>
        <td width="87" nowrap valign=top >
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><u><font size=2>Description</font></u></p> </td> </tr></table>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font size=2>99.1</font></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;line-height:125.28%'><font size=2>Press Release dated July 22, 2008</font></p> </td> </tr></table>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'><B>EXHIBIT 99.1</B></p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'>Contact:  </p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:11pt'>&nbsp;</p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:11pt'>&nbsp;</p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'>Harry S. Smith, President &amp; CEO</p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:11pt'>&nbsp;</p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'>M. Shane Bell, EVP &amp; CFO</p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'>(540) 465-9121</p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:11pt'>&nbsp;</p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'>(540) 465-9121</p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'><font color="#0000FF"><u>hsmith@firstbank-va.com</u></font><u></u></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:11pt'>&nbsp;</p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'><font color="#0000FF"><u>sbell@firstbank-va.com</u></font></p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'><b>News Release</b></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:11pt'><b>July 22, 2008</b></p> </td>
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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;font-family:Times New Roman; font-size:11pt'><B>FIRST NATIONAL CORPORATION REPORTS 9% INCREASE IN SECOND QUARTER EARNINGS</B></p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'><b>Strasburg, Virginia</b>&nbsp;(July 22, 2008) --- First National Corporation (OTCBB: FXNC) reported a 9% increase in net income for the second quarter of 2008 compared to the same period in 2007.  Net income totaled $1.4 million, or $0.48 per basic and diluted share, for the second quarter of 2008 compared to $1.3 million, or $0.44 per basic and diluted share, for the second quarter of 2007.  Harry S. Smith, President and CEO, stated &#147;We are very pleased to report another quarter of improved earnings for our Company considering the tough economic environment.  Although the Federal Reserve has lowered the federal funds rate by 325 basis points during the last twelve months, profitability has improved.  The balance sheet was well-positioned for these rate changes while we
 experienced slight growth in earning assets.  In addition, noninterest income improved primarily from trust and asset management services that generated higher levels of revenue.  We have been diligent
in managing noninterest expenses, and as a result, expenses increased only 2% when compared to the second quarter of 2007.  The Company has continued to maintain a higher allowance for potential loan losses during the second quarter.  The allowance was substantially increased during the first quarter of this year to reflect higher levels of non-performing assets and the declining real estate market.  We will continue to focus on asset quality and will remain especially diligent with expenditures during this environment.&#148;</p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'>Earnings improved 9% in the second quarter of 2008 compared to the same period in 2007 due to a 3% increase in net interest income and a 7% increase in noninterest income, offset by a 2% increase in noninterest expense and an increase in the provision for loan losses.  Return on assets and return on equity were 1.05% and 14.23%, respectively, for the second quarter of 2008 compared to 0.98% and 15.10% for the same quarter in 2007.  Total assets increased $10.9 million or 2% during the last twelve months to $540.2 million at June 30, 2008 compared to $529.2 million one year ago.  In addition, the Company&#146;s trust and investment advisory group had assets under management of $208.2 million at June 30, 2008.</p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'>Net interest income increased 3% to $4.6 million for the second quarter of 2008 compared to $4.4 million for the same quarter of 2007.  This increase was a result of a 5 basis point increase in the net interest margin and an $11.5 million increase in average interest-earning assets when comparing the two periods.  The improvement in the margin was due to the decrease in costs of interest-bearing liabilities that exceeded the decrease in the yield on interest-earning assets.  These decreases resulted from lower market rates during the second quarter of 2008 compared to the same period in 2007.</p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt;'>Noninterest income increased 7% to $1.5 million for the second quarter of 2008, compared to $1.4 million for the same quarter of 2007.  Fees for other customer services increased 29% to $773 thousand for the second quarter of 2008, compared to $601 thousand for the same period in 2007.  This increase resulted from an increase in fee income from trust and asset management services, loan fees, and ATM and check card fees.  Service charge income decreased 8% to $708 thousand for the second quarter of 2008, compared to $772 thousand for the same period in 2007 primarily due to a decrease in overdraft fee income.  Noninterest expense increased 2% to $4.0 million for the second quarter of 2008 compared to $3.9 million for the same period in 2007.  </p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'>Net charge-offs were $77 thousand for the second quarter of 2008, compared to $32 thousand for the second quarter of 2007.  Non-performing assets totaled $8.0 million compared to $1.6 million one year ago.  Loan growth and net charge-offs resulted</p>

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<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'> in a loan loss provision of $84 thousand in the second quarter of 2008 compared to $67 thousand for the same period in 2007.&nbsp;&nbsp;
The allowance for loan losses totaled $4.5 million or 0.99% of total loans at June 30, 2008, compared to $4.0 million or 0.92% of total loans at June 30, 2007 due to higher non-performing asset balances and less favorable economic conditions. &nbsp;</p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'>For the six months ended June 30, 2008, net income was $2.8 million or $0.97 per basic and diluted share.  This was a 5% increase compared to $2.7 million in net income or $0.92 per basic and diluted share for the same period in 2007.  Return on assets was 1.05% for the six months ended June 30, 2008 compared to 1.04% for the same period in 2007, and return on equity was 14.45% for the six months ended June 30, 2008 compared to 16.13% for the same period in 2007.</p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'>Net interest income increased 6% to $9.2 million for the six months ended June 30, 2008 compared to $8.8 million for the same period in 2007.  This increase was the result of a 9 basis point increase in the net interest margin and a $14.4 million increase in average interest-earning assets when comparing the two periods.  The net interest margin was 3.73% for the six months ended June 30, 2008, compared to 3.64% for the same period in 2007.</p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'>Noninterest income increased 11% to $3.0 million for the six months ended June 30, 2008 from $2.7 million for the same period in 2007.  Fees for other customer services increased 22% to $1.4 million compared to $1.2 million for the same period in 2007.  This increase was attributable to increases in fee income from trust and asset management services and ATM and check card fees.  Noninterest expense increased 5% to $7.8 million for the six months ended June 30, 2008, compared to $7.5 million for the same period in 2007 from higher salary expenses in 2008.  The additional expense was primarily from annual salary adjustments.</p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'>The Company notes to investors that past results of operations do not necessarily indicate future results.  Certain factors that affect the Company&#146;s operations and business environment are subject to uncertainties that could in turn affect future results.  These factors are identified in the Annual Report on Form 10-K for the year ended December 31, 2007, which can be accessed from the Company&#146;s website at <font color="#0000FF"><u>www.firstbank-va.com</u></font>, as filed with the Securities and Exchange Commission.</p>

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

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:justify;font-family:Times New Roman; font-size:11pt'>First National Corporation, headquartered in Strasburg, Virginia, is the financial holding company of First Bank. First Bank offers loan, deposit, trust and investment products and services from 11 branch offices in the northern Shenandoah Valley region of Virginia, including Shenandoah County, Warren County, Frederick County and the City of Winchester. &nbsp;First Bank also owns First Bank Financial Services, Inc., which invests in partnerships that provide investment services and title insurance.</p>

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            <p style='margin:0in;margin-bottom:.0001pt;font-family:Times New Roman; font-size:10pt'><B>FIRST NATIONAL CORPORATION</B></p>
<p style='margin:0in;margin-bottom:.0001pt;font-family:Times New Roman; font-size:10pt'><b>Quarterly Performance Summary</b></p>
<p style='margin:0in;margin-bottom:.0001pt;text-indent:2.25pt;font-family:Times New Roman; font-size:10pt'><i>(in thousands, except share and per share data)</i></p>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>(unaudited)</p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'><b>For the Three Months Ended</b></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
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<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'><b>For the Six Months Ended</b></p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'><b>Income Statement</b></p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'><b>June 30,   2008</b></p> </td>
        <TD WIDTH="10" VALIGN="TOP" STYLE="border-top:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt; height:13.45pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD WIDTH="80" VALIGN="bottom" STYLE="border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:13.45pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'><b>June 30,   2007</b></p> </td>
        <TD WIDTH="10" VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.45pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD WIDTH="80" VALIGN="bottom" STYLE="border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.45pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'><b>June 30,   2008</b></p> </td>
        <TD WIDTH="10" VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.45pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD WIDTH="80" VALIGN="bottom" STYLE="border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.45pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'><b>June 30,   2007</b></p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>Interest and dividend income</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>Interest and fees on loans</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,882</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,065</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;14,600</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16,018</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>Interest on federal funds sold</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>2</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt;font-family:Times New Roman; font-size:10pt'>10</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>8</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>24</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Interest on deposits in banks</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>12</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>25</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>30</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>50</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Interest and dividends on securities </p>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>available for sale:</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:9.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Taxable interest</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>489</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>535</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,004</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,070</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:9.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Tax-exempt interest</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>131</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>116</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>264</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>231</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:9.75pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Dividends</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>48</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>48</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>98</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>95</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total interest and dividend income</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,564</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,799</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;16,004</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;17,488</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr style='height:4.5pt'>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:4.5pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Interest expense</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:4.5pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:4.5pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:4.5pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:4.5pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:4.5pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:4.5pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:4.5pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Interest on deposits</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,339</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,551</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5,372</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,093</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Interest on federal funds purchased</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>49</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>41</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>68</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>80</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:9.0pt;text-indent:-4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Interest on company obligated mandatorily redeemable capital securities</p> </td>
        <TD VALIGN="bottom" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>142</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="bottom" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>238</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>365</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>474</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Interest on other borrowings</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:42.0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>454</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:42.0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>538</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:42.0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>967</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:34.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,088</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total interest expense</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,984</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,368</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6,772</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,735</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Net interest income</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,580</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,431</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9,232</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,753</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Provision for loan losses</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>84</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>67</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:42.0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>354</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>67</p> </td> </tr>
    <tr style='height:11.7pt'>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:11.7pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Net interest income after provision for loan losses</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt; height:11.7pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,496</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:11.7pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt; height:11.7pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,364</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:11.7pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt; height:11.7pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,878</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:11.7pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt; height:11.7pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,686</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Noninterest income</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Service charges</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 708</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;772</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,406</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,391</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Fees for other customer services</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>773</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>601</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,440</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,177</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:5.25pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Gains on sale of loans</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>32</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>52</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>69</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>125</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:5.25pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Gains on sale of securities available for sale</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>-</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>-</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:5.25pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Gains on sale of premises and equipment</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>-</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>-</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Other operating income</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>20</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>14</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:42.0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>118</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:47.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>36</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total noninterest income</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,535</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,440</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,035</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,730</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Noninterest expense</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Salaries and employee benefits</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,218</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,207</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,321</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,073</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Occupancy</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>274</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>228</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>524</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>474</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:5.25pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Equipment</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>344</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>310</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>691</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>628</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Other operating expense </p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:34.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,141</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:34.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,166</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:34.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,258</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:34.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,275</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total noninterest expense</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,977</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,911</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,794</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7,450</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><i>&nbsp;</i></p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Income before income taxes</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,054</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,893</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4,119</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,966</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Provision for income taxes</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:42.0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>654</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:42.0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>613</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:34.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,304</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:34.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,283</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Net income</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,400</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,280</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,815</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2,683</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><i>&nbsp;</i></p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>Share and Per Share Data </b><i></i></p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Net income, basic and diluted</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.48</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.44</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.97</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.92</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Shares outstanding at period end</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,922,860</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,922,860</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,922,860</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,922,860</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Weighted average shares, basic and diluted</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,912,172</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,905,574</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,911,323</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,904,786</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Book value at period end</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.49</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.64</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13.49           </p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11.64</p> </td> </tr>
    <tr >
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Cash dividends</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.14</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.13</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 0.28              </p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0.26</p> </td> </tr></table>
</div>

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

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


<div align=left>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="710" STYLE="border-collapse:collapse">
    <tr >
        <td  colspan="8" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p>
<p style='margin:0in;margin-bottom:.0001pt;font-family:Times New Roman; font-size:10pt'><B>FIRST NATIONAL CORPORATION</B></p>
<p style='margin:0in;margin-bottom:.0001pt;font-family:Times New Roman; font-size:10pt'><b>Quarterly Performance Summary</b></p>
<p style='margin-left:0pt;text-indent:2.25pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><i>(in thousands, except share and per share data)</i></p> </td> </tr>
    <tr style='height:23.75pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:23.75pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td  colspan="3" valign=top style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:23.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>(unaudited)</p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>For the Three Months Ended</b></p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:23.75pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td  colspan="3" valign=top style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:23.75pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>(unaudited)</p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>For the Six Months Ended</b></p> </td> </tr>
    <tr style='height:23.75pt'>
        <TD WIDTH="340" VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:23.75pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD WIDTH="85" VALIGN="bottom" STYLE="border-bottom: solid black 1.0pt;padding: 0in 5.4pt 0in 5.4pt;height:23.75pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>June 30,</b></p>
<p style='margin-left:0pt;text-indent:2.35pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>2008</b></p> </td>
        <TD WIDTH="10" VALIGN="TOP" STYLE="border-top:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt; height:23.75pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD WIDTH="85" VALIGN="bottom" STYLE="border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:23.75pt">
            <p style='margin-left:.1pt;text-indent:-.1pt;text-align:center;margin-top:0in;margin-bottom:0in;font-family:Times New Roman; font-size:10pt'><b>June 30,<BR>2007</b></p> </td>
        <TD WIDTH="10" VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:23.75pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD WIDTH="85" VALIGN="bottom" STYLE="border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:23.75pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>June 30,</b></p>
<p style='margin-left:0pt;text-indent:2.25pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>2008</b></p> </td>
        <TD WIDTH="10" VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:23.75pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD WIDTH="85" VALIGN="bottom" STYLE="border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:23.75pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>June 30,<BR>2007</b></p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>Key Performance Ratios </b></p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Return on average assets</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1.05%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>0.98%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1.05%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1.04%</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Return on average equity</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>14.23%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>15.10%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>14.45%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>16.13%</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Net interest margin</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>3.71%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>3.66%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>3.73%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>3.64%</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Efficiency ratio <sup>(1)</sup></p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>64.24%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>65.81%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>62.74%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>64.08%</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>Asset Quality</b></p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Loan charge-offs</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 147</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;81</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;224</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 153</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Loan recoveries</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>70</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>49</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>143</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>105</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Net charge-offs</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>77</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>32</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>81</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>48</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Non-accrual loans</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>6,464</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>186</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>6,464</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>186</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Nonperforming assets</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>7,959</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,618</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>7,959</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,618</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Repossessed assets</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>32</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>61</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>32</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>61</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:justify;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>Average Balances</b></p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Average assets</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;534,440</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;522,334</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;536,485</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;521,440</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Average earning assets</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>504,515</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>493,062</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>506,705</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>492,289</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Average shareholders&#146; equity</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>39,557</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>34,013</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>39,181</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>33,558</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td  colspan="3" valign=top style='padding:0in 5.4pt 0in 5.4pt; height:13.0pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>(unaudited)</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="bottom" STYLE="border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>June 30,<BR>2008</b><u></u></p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="bottom" STYLE="border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>June 30,<BR>2007</b></p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>Capital Ratios</b></p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt;height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt;height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Tier 1 capital</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;49,608</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;48,127</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total capital</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>54,088</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>52,124</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total capital to risk-weighted assets</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>11.58%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>11.92%</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Tier 1 capital to risk-weighted assets</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>10.62%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>11.01%</p> </td> </tr>
    <tr style='height:13.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Leverage ratio</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>9.28%</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:13.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>9.22%</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>Balance Sheet</b></p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr style='height:9.0pt'>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:9.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Cash and due from banks</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:9.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:9.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:9.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:9.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:9.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 8,783</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt; height:9.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt; height:9.0pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8,583</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Interest-bearing deposits in banks</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,174</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>3,811</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Securities available for sale, at fair value</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>56,286</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>60,564</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Loans held for sale</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>457</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>398</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Loans, net of allowance for loan losses</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>445,359</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>430,250</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Premises and equipment, net</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>21,205</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>18,646</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Interest receivable</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,834</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,064</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Other assets</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:37.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>4,061</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:37.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>4,919</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total assets</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;540,159</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;529,235</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Noninterest-bearing demand deposits</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;89,040</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;82,561</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Savings and interest-bearing demand deposits</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>153,742</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>178,852</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Time deposits</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:27.0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>182,886</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:27.0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>172,818</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total deposits</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;425,668</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;434,231</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Federal funds purchased</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>7,753</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>5,260</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Other borrowings</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>56,499</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>40,690</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Company obligated mandatorily redeemable capital securities</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="bottom" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>9,279</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="bottom" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>12,372</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Accrued expenses and other liabilities</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:37.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,524</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:37.5pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,652</p> </td> </tr>
    <tr >
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total liabilities</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom: solid black 1.0pt;padding: 0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;500,723</p> </td>
        <TD VALIGN="TOP" STYLE="padding:0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <TD VALIGN="top" STYLE="border-bottom: solid black 1.0pt;padding: 0in 5.4pt 0in 5.4pt">
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;495,205</p> </td> </tr>
</table>
<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>&nbsp;</p>
</div>
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            <p style='margin:0in;margin-bottom:.0001pt'>&nbsp;</p>
<p style='margin:0in;margin-bottom:.0001pt; font-family:Times New Roman; font-size:10pt'><B>FIRST NATIONAL CORPORATION</B></p>
<p style='margin:0in;margin-bottom:.0001pt; font-family:Times New Roman; font-size:10pt'><b>Quarterly Performance Summary</b></p>
<p style='margin:0in;margin-bottom:.0001pt;text-indent:2.25pt; font-family:Times New Roman; font-size:10pt'><i>(in thousands, except share and per share data)</i></p>
<p style='margin-left:0pt;text-indent:525.75pt;text-align:right;margin-top:0pt;margin-bottom:0pt'>&nbsp;</p> </td> </tr>
    <tr style='height:9.45pt'>
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt; height:9.45pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'>&nbsp;</p> </td>
        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:9.45pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>(unaudited)</p> </td> </tr>
    <tr style='height:16.2pt'>
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt; height:16.2pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt'>&nbsp;</p> </td>
        <td width="90" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:16.2pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>June 30,</b></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>2008</b><u></u></p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt; height:16.2pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:1.0pt;margin-bottom:0pt'>&nbsp;</p> </td>
        <td width="90" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:16.2pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>June 30,</b></p>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>2007</b></p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>Balance Sheet </b><i><b>(</b>continued<b>)</b></i></p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Common stock</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,653</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3,653</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Surplus</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,435</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,464</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Retained earnings</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>35,311</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>31,032</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Unearned ESOP shares</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>(324)</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>(495)</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Accumulated other comprehensive loss, net</p> </td>
        <td width="90" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>(639)</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:2.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>(1,624)</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total shareholders&#146; equity</p> </td>
        <td width="90" valign=top style='border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;39,436</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;34,030</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total liabilities and shareholders&#146; equity</p> </td>
        <td width="90" valign=top style='border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;540,159</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;529,235</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><b>Loan Data</b></p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Mortgage loans on real estate:</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:5.25pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Construction</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;71,574</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;69,938</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Secured by farm land</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,738</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>1,763</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Secured by 1-4 family residential</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>110,989</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>108,565</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Other real estate loans</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>192,228</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>174,687</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Loans to farmers (except those secured by real estate)</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,487</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>2,198</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:9.0pt;text-indent:-9.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Commercial and industrial loans (except those secured by real estate)</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>53,602</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>50,684</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Consumer installment loans</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>16,188</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>20,993</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Deposit overdrafts</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>307</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>493</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>All other loans</p> </td>
        <td width="90" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:39.75pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>726</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:32.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>4,926</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:4.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Total loans</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 449,839</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 434,247</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Allowance for loan losses</p> </td>
        <td width="90" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:32.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>4,480</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:32.25pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>3,997</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>Loans, net</p> </td>
        <td width="90" valign=top style='border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 445,359</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:1.5pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='border-bottom:double black 2.25pt; padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 430,250</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'><i>&nbsp;</i></p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
    <tr >
        <td width="518" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="17" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
        <td width="90" valign=top style='padding:0in 5.4pt 0in 5.4pt'>
            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>(1) The efficiency ratio is computed by dividing noninterest expense by the sum of net interest income on a tax equivalent basis and noninterest income excluding securities gains and losses.  Tax equivalent net interest income is calculated by adding the tax benefit realized from interest income that is nontaxable to total interest income then subtracting total interest expense. &nbsp;The tax rate utilized in calculating the tax benefit for 2008 and 2007 was 34%. &nbsp;Net interest income on a tax equivalent basis was $4,658 and $4,503 for the three months ended June 30, 2008 and 2007, respectively, and $9,390 and $8,896 for the six months ended June 30, 2008 and 2007, respectively.  Noninterest income excluding securities gains and losses was $1,533 and $1,440 for the three months ended June 30, 2008 and 2007,
respectively, and $3,033 and $2,730 for the six months ended June 30, 2008 and 2007, respectively.  The efficiency ratio is a non-GAAP financial measure that management believes provides investors with important information regarding operational efficiency.  Such information is not in accordance with generally accepted accounting principles (GAAP) and should not be construed as such.  Management believes such financial information is meaningful to the reader in understanding operational performance, but cautions that such information not be viewed as a substitute for GAAP. </p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td>
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            <p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt; font-family:Times New Roman; font-size:10pt'>&nbsp;</p> </td> </tr></table>
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