<SEC-DOCUMENT>0001002105-17-000040.txt : 20170426
<SEC-HEADER>0001002105-17-000040.hdr.sgml : 20170426
<ACCEPTANCE-DATETIME>20170426132855
ACCESSION NUMBER:		0001002105-17-000040
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20170426
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20170426
DATE AS OF CHANGE:		20170426

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST NATIONAL CORP /VA/
		CENTRAL INDEX KEY:			0000719402
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				541232965
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			0511

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-23976
		FILM NUMBER:		17783461

	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
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<FILENAME>fncform8k04262017.htm
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">UNITED STATES</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">SECURITIES AND EXCHANGE COMMISSION</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Washington, D.C. &#160;20549</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">___________</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">FORM 8-K</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">CURRENT REPORT</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Date of Report (Date of earliest event reported): <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">April 26, 2017</font></div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">___________</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">FIRST NATIONAL CORPORATION</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(Exact name of registrant as specified in its charter)</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Virginia</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(State or other jurisdiction</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">of incorporation)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">0-23976</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(Commission File Number)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">54-1232965</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(IRS Employer</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Identification No.)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">112 West King Street</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Strasburg, Virginia</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(Address of principal executive offices)</div>
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<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">22657</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(Zip Code)</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">Registrant's telephone number, including area code: <font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">(540) 465-9121</font></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">Not Applicable</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: center">(Former name or former address, if changed since last report)</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">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:</div>

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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 18pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9633;</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 18pt; DISPLAY: inline-block">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div>

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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 18pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9633;</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 18pt; DISPLAY: inline-block">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div>

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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 18pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9633;</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 18pt; DISPLAY: inline-block">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div>

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<div style="TEXT-ALIGN: left; MARGIN-LEFT: 18pt"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">&#9633;</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 18pt; DISPLAY: inline-block">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</font></div>

<div style="TEXT-ALIGN: left">&#160;</div>

<div style="TEXT-ALIGN: left">
<div style="text-align: justify; font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">&#160;&#160;&#160;&#160;&#160; <font style="FONT-WEIGHT: normal">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 or Rule 12b-2 of the Securities Exchange Act of 1934.</font></div>

<div style="text-align: justify; font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: normal;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160; Emerging growth company&#160;&#160;&#160;&#9633;&#160;</div>

<div style="text-align: justify; font-size: 10pt; font-family: 'Times New Roman', Times, serif; font-weight: bold;">&#160;&#160;&#160;&#160;&#160; <font style="FONT-WEIGHT: normal">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160; &#9633;</font></div>

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<div style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">Item 2.02</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 72pt; DISPLAY: inline-block">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">Results of Operations and Financial Condition.</font></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">On April 26, 2017, the First National Corporation (the "Company") issued a press release reporting its financial results for the period ended March 31, 2017. &#160;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.</div>

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<div style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">Item 9.01</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 72pt; DISPLAY: inline-block">&#160;</font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">Financial Statements and Exhibits.</font></div>

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<div style="TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">(d)<font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 9pt; DISPLAY: inline-block">&#160;</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 9pt; DISPLAY: inline-block">&#160;</font><font id="TRGRRTFtoHTMLTab" style="FONT-SIZE: 1px; WIDTH: 9pt; DISPLAY: inline-block">&#160;</font></font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif">Exhibits. &#160;The following exhibit is being furnished pursuant to Item 2.02 above. &#160;</font></div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left"><u>Exhibit No.</u></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left"><u>Description</u></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">99.1</div>
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<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 84.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Press Release dated April 26, 2017</div>
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<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 84.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">SIGNATURES</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; TEXT-INDENT: 36pt">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.</div>

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<table id="zde2585ada2714044bc8e896105cbc3da" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">FIRST NATIONAL CORPORATION</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">(Registrant)</div>
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<td style="WIDTH: 24.38%; VERTICAL-ALIGN: top">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Date: April 26, 2017</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">By:</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;/s/ M. Shane Bell</div>
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<td style="WIDTH: 37.71%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 3.3%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 24.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">M. Shane Bell</div>
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<td style="WIDTH: 3.3%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 24.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Executive Vice President and</div>
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<td style="WIDTH: 3.3%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 24.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Chief Financial Officer</div>
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<td style="WIDTH: 34.67%; VERTICAL-ALIGN: top">&#160;</td>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">EXHIBIT INDEX</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left"><u>Exhibit No.</u></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left"><u>Description</u></div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Press Release dated April 26, 2017</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">Exhibit 99.1</div>

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<div style="FONT-SIZE: 14pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">First National Corporation Announces 40% Increase in First Quarter Net Income</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">STRASBURG, Va., April 26, 2017 --- First National Corporation (the "Company" or "First National") (OTC: FXNC) today reported net income of $1.5 million and earnings per share of $0.31 for the first quarter ended March 31, 2017. This was a $444 thousand increase when compared to earnings for the first quarter of 2016, which totaled $1.1 million or $0.22 per share. The increase in net income resulted primarily from a $366 thousand decrease in noninterest expenses and a $293 thousand increase in net interest income.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Select highlights for the first quarter of 2017:</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net income increased 40% over first quarter of 2016</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Return on equity of 11.78%</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">The net interest margin increased to 3.70%</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Compared to first quarter of 2016, the efficiency ratio improved to 69.52%, from 77.32%</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Assets-per-employee increased to $4.6 million, compared to $3.8 million at March 31, 2016</div>
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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">"We are pleased with the performance in the first quarter of 2017 as the Company benefited from higher loan balances and expense reductions compared to last year's first quarter. The results included a 40% increase in net income, a respectable net interest margin of 3.70%, and a significant improvement in the efficiency ratio," said Scott Harvard, president and chief executive officer of First National. Harvard added, "Loan growth drove a higher net interest margin and higher interest income on loans. Non-maturity deposit growth helped fund loans and we remain focused on deepening relationships to drive continued loan and deposit growth. We are also pleased with the substantial improvements in productivity, as demonstrated by the assets-per-employee ratio, which reached $4.6 million at the end of the quarter."</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">BALANCE SHEET</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total assets of First National increased $11.3 million during the quarter to $727.3 million at March 31, 2017, and increased $26.3 million compared to one year ago.&#160; Loans, net of the allowance for loan losses, increased $11.6 million during the quarter to $492.3 million, and increased $43.8 million, or 10%, compared to March 31, 2016. The total of securities and interest-bearing deposits in banks was unchanged during the quarter at $180.9 million, and decreased $13.9 million compared to one year ago.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total deposits increased $9.2 million during the quarter to $654.8 million, and were $21.7 million higher than total deposits at March 31, 2016. When comparing the composition of the deposit portfolio at March 31, 2017 to one year ago, noninterest-bearing demand deposits increased from 26% to 27% of total deposits, while time deposits decreased from 22% to 19%.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Shareholders' equity totaled $54.0 million at March 31, 2017 compared to $47.7 million one year ago. Tangible common equity totaled $52.6 million at the end of the first quarter, compared to $45.6 million at March 31, 2016. The Company exceeded its target regulatory capital ratios at the end of the quarter.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">NET INTEREST INCOME</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net interest income increased $293 thousand, or 5%, to $6.0 million for the quarter, compared to $5.7 million for the same period of 2016.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total interest income increased $341 thousand, or 6%, to $6.5 million for the quarter, compared to the same period of 2016. The increase resulted from higher average earning asset balances and a higher yield on total earning assets. Earning asset yields increased 10 basis points, primarily from a change in asset composition as average loan balances increased to 74% of average earning assets for the first quarter, up from 69% for the same period of 2016. While loan balances increased, the average balance of securities decreased to 22% of average earning assets, down from 26%, comparing the periods.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total interest expense increased $48 thousand, or 10%, to $540 thousand for the quarter, compared to the same period of 2016.&#160; The increase in interest expense resulted primarily from a 4 basis point increase in the cost of interest-bearing deposits.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">NONINTEREST INCOME</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Noninterest income was unchanged at $1.9 million for the quarter, compared to the same period of 2016. There were no significant changes in the noninterest income categories when comparing the periods.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">NONINTEREST EXPENSE</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Noninterest expense decreased $366 thousand, or 6%, to $5.8 million for the quarter, compared to the same period of 2016. Salaries and employee benefits expense decreased $202 thousand, or 6%, legal and professional fees decreased $114 thousand, or 37%, and occupancy expense decreased $57 thousand, or 13%.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Salaries and employee benefits decreased primarily from a decrease in salaries and wages, insurance expense, and retirement plan costs. A reduction in the number of employees had a favorable impact on each of these expense categories. Legal and professional fees decreased primarily from consulting expenses that were incurred from an efficiency initiative that occurred during the first quarter of 2016. The decrease in occupancy expense resulted primarily from lower repairs and maintenance expense when comparing the periods.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">ASSET QUALITY/LOAN LOSS PROVISION</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">There was no provision for loan loss during the quarter. Net recoveries on loans previously charged-off offset the impact of loan growth on the general reserve during the period. Asset quality improved as nonperforming assets totaled $1.8 million, or 0.25% of total assets at March 31, 2017, which was an improvement when compared to $6.4 million, or 0.91% of total assets, one year ago. The allowance for loan losses totaled $5.5 million at March 31, 2017 and $5.5 million at March 31, 2016, representing 1.10% and 1.22% of total loans, respectively.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">FORWARD-LOOKING STATEMENTS</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Certain information contained in this discussion may include "forward-looking statements" within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements relate to the Company's future operations and are generally identified by phrases such as "the Company expects," "the Company believes" or words of similar import. Although the Company believes that its expectations with respect to the forward-looking statements are based upon reliable assumptions within the bounds of its knowledge of its business and operations, there can be no assurance that actual results, performance or achievements of the Company will not differ materially from any future results, performance or achievements expressed or implied by such forward-looking statements. For details on factors that could affect expectations, see the risk factors and other cautionary language included in the Company's Annual Report on Form 10-K for the year ended December 31, 2016, and other filings with the Securities and Exchange Commission.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">ABOUT FIRST NATIONAL CORPORATION</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">First National Corporation (OTC: FXNC) is the parent company and bank holding company of First Bank, a community bank that first opened for business in 1907 in Strasburg, Virginia. The Bank offers loan and deposit products and services through its website, www.fbvirginia.com, its mobile banking platform, a network of ATMs located throughout its market area, two loan production offices, a customer service center in a retirement community, and 14 bank branch office locations located throughout the Shenandoah Valley and central regions of Virginia. In addition to providing traditional banking services, the Bank operates a wealth management division under the name First Bank Wealth Management.&#160; First Bank also owns First Bank Financial Services, Inc., which invests in entities that provide investment services and title insurance.</div>

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<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Quarterly Performance Summary</div>

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<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest and fees on loans</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,646</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 5,556</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 5,500</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,370</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,236</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest on deposits in banks</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">61</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">55</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">73</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">62</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">48</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest on securities</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">805</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">794</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">749</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">825</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">888</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Dividends on restricted securities</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;20</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;21</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;19</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total interest income</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 6,532</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 6,426</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 6,342</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 6,278</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 6,191</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Interest expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest on deposits</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 383</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 353</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; 338</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 329</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 333</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest on federal funds purchased</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest on subordinated debt</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">89</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">91</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">91</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">89</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">90</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest on junior subordinated debt</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">68</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">69</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">65</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">64</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">61</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest on other borrowings</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total interest expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 540</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 513</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; 495</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 482</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 492</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net interest income</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,992</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 5,913</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 5,847</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,796</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,699</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Provision for loan losses</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 3.6pt; TEXT-INDENT: -3.6pt">Net interest income after provision for loan losses</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,992</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 5,913</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 5,847</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,796</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,699</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Noninterest income</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Service charges on deposit accounts</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 755</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 877</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; 941</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 914</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 780</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;ATM and check card fees</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">501</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">505</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">529</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">515</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">488</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Wealth management fees</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">347</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">353</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">339</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">334</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">336</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Fees for other customer services</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">140</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">154</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">143</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">137</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">147</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Income from bank owned life insurance</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">85</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">109</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">123</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">107</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">86</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 8.1pt; TEXT-INDENT: -8.1pt">&#160;&#160;Net gains (losses) on sales of securities</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(2)</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Net gains on sale of loans</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">33</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">42</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">50</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">31</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">21</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Other operating income</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;80</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;89</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;182</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;74</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;79</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total noninterest income</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 1,941</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 2,127</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 2,311</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 2,112</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 1,943</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Noninterest expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Salaries and employee benefits</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 3,242</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 2,897</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 3,183</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 3,415</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 3,444</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Occupancy</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">367</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">364</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">380</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">365</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">424</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Equipment</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">408</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">402</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">406</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">394</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">432</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Marketing</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">136</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">210</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">125</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">120</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">107</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Supplies</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">91</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">138</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">108</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">103</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">101</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Legal and professional fees</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">197</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">238</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">179</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">156</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">311</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;ATM and check card fees</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">162</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">211</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">229</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">221</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">205</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;FDIC assessment</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">79</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">72</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">106</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">126</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">122</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Bank franchise tax</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">104</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">90</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">89</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">90</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">103</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 8.1pt; TEXT-INDENT: -8.1pt">&#160;&#160;Telecommunications expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">110</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">112</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">110</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">115</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">114</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 8.1pt; TEXT-INDENT: -8.1pt">&#160;&#160;Data processing expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">150</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">159</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">160</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">146</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">128</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Postage expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">61</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">56</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">56</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">57</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">69</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Amortization expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">169</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">179</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">187</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">198</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">207</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 8.1pt; TEXT-INDENT: -8.1pt">&#160;&#160;Other real estate owned expense (income), net</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(49)</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(72)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 8.1pt; TEXT-INDENT: -8.1pt">&#160;&#160;Net loss on disposal of premises and equipment</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Other operating expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;473</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;507</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;526</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;426</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;422</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total noninterest expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,751</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 5,635</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 5,853</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,883</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 6,117</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Income before income taxes</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 2,182</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 2,405</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 2,305</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 2,025</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 1,525</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Income tax expense</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;639</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;724</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;611</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;592</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;426</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net income</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 1,543</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 1,681</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 1,694</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 1,433</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 1,099</div>
</td>
</tr>

<tr>
<td style="WIDTH: 44.72%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 44.72%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Common Share and Per Common Share Data</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net income, basic</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 0.31</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; 0.34</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 0.34</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 0.29</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 0.22</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Weighted average shares, basic</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,935,421</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,927,728</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,925,753</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,924,702</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,920,315</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net income, diluted</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 0.31</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; 0.34</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 0.34</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 0.29</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 0.22</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Weighted average shares, diluted</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,937,625</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,933,572</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,929,922</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,926,859</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,923,117</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Shares outstanding at period end</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,940,766</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,929,403</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,926,546</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,925,599</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,924,539</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Tangible book value at period end</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 10.64</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 10.26</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 9.99</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 9.61</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 9.25</div>
</td>
</tr>

<tr>
<td style="WIDTH: 33.67%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Cash dividends</div>
</td>
<td style="WIDTH: 11.06%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 0.035</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.38%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; 0.03</div>
</td>
<td style="WIDTH: 2.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.54%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 0.03</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.7%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 0.03</div>
</td>
<td style="WIDTH: 2.47%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.79%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 0.03</div>
</td>
</tr>
</table>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; MARGIN-TOP: 10pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">4</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">FIRST NATIONAL CORPORATION</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Quarterly Performance Summary</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic; TEXT-ALIGN: left">(in thousands, except share and per share data)</div>

<table id="z3970ce6adcd34ba397cc059c95c08146" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: bottom; PADDING-BOTTOM: 2px">&#160;</td>
<td style="WIDTH: 61.72%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" colspan="9">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic; TEXT-ALIGN: center">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(unaudited)</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;&#160;&#160;&#160;&#160;&#160;&#160;For the Quarter Ended</div>
</td>
<td style="WIDTH: 3.85%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">2017</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">December 31,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;2016</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">September 30,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;2016</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">June 30,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;2016</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;2016</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Key Performance Ratios</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Return on average assets</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">0.88%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">0.94%</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">0.95%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">0.82%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">0.64%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Return on average equity</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">11.78%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13.04%</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13.44%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">11.90%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">9.39%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net interest margin</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3.70%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3.60%</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3.57%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3.62%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3.62%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Efficiency ratio <sup style="vertical-align: text-top; line-height: 1; font-size: smaller">(1)</sup></div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">69.52%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">67.05%</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">68.57%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">71.62%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">77.32%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Average Balances</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Average assets</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 714,714</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 711,834</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160;&#160; 710,005</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 705,707</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 693,783</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Average earning assets</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">667,358</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">664,156</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">661,798</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">654,709</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">643,531</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Average shareholders' equity</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">53,132</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">51,295</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">50,160</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">48,443</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">47,066</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Asset Quality</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Loan charge-offs</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 106</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 337</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; 195</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 136</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 120</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Loan recoveries</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">236</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">48</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">71</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">350</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">116</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Net charge-offs (recoveries)</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(130)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">289</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">124</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(214)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Non-accrual loans</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,596</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,520</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3,521</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,057</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,258</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Other real estate owned, net</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">250</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">250</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">250</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">442</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,112</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Nonperforming assets</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,846</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,770</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3,771</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,499</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,370</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Loans 30 to 89 days past due, accruing</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,606</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,583</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,036</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,979</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,743</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Loans over 90 days past due, accruing</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">119</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">116</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">59</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">11</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">124</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Troubled debt restructurings, accruing</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">296</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">300</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">392</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">308</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">313</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Special mention loans</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12,896</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13,073</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">14,238</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13,392</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13,796</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Substandard loans, accruing</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">7,877</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8,056</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8,273</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">9,610</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">10,068</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Capital Ratios <sup style="vertical-align: text-top; line-height: 1; font-size: smaller">(2)</sup></div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: bottom" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total capital</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 67,264</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 65,590</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; 65,759</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 64,375</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 62,440</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Tier 1 capital</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">61,813</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">60,269</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">60,149</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">58,641</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">56,920</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Common equity tier 1 capital</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">61,813</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">60,269</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">60,149</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">58,641</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">56,920</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total capital to risk-weighted assets</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13.51%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13.47%</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13.90%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13.66%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13.50%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Tier 1 capital to risk-weighted assets</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.41%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.38%</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.72%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.45%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.30%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Common equity tier 1 capital to risk-weighted assets</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.41%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.38%</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.72%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.45%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12.30%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Leverage ratio</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8.66%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8.48%</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8.48%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8.33%</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">8.22%</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Balance Sheet</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Cash and due from banks</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 10,593</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 10,106</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 8,955</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 10,518</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 10,250</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Interest-bearing deposits in banks</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">35,246</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">30,986</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">47,902</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">40,225</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">29,077</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Securities available for sale, at fair value</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">92,081</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">94,976</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">88,497</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">94,740</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">99,193</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Securities held to maturity, at carrying value</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">51,999</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">53,398</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">55,263</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">57,401</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">64,963</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Restricted securities, at cost</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,570</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,548</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,548</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,058</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,548</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Loans held for sale</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">337</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,053</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,819</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">523</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Loans, net of allowance for loan losses</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">492,319</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">480,746</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">465,224</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">459,812</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">448,556</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 3.6pt; TEXT-INDENT: -3.6pt">Other real estate owned, net of valuation allowance</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">250</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">250</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">250</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">442</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,112</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Premises and equipment, net</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">20,709</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">20,785</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">20,852</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">21,126</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">21,366</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Accrued interest receivable</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,753</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,746</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,631</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,612</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,741</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Bank owned life insurance</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">14,013</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13,928</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13,808</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13,935</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">13,828</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Core deposit intangibles, net</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,382</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,551</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,730</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,917</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">2,115</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Other assets</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,381</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,643</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,959</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,743</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,771</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Total assets</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 727,296</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 716,000</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 712,672</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 711,348</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 701,043</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Noninterest-bearing demand deposits</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 173,963</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 168,076</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 168,204</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 159,278</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 161,783</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 4.5pt; TEXT-INDENT: -4.5pt">Savings and interest-bearing demand deposits</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">353,958</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">349,067</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">340,884</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">337,589</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div>&#160;</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">334,599</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Time deposits</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;126,848</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;128,427</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;131,654</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;133,479</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;136,736</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Total deposits</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 654,769</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 645,570</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 640,742</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 630,346</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 633,118</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Other borrowings</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">12,000</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Subordinated debt</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,934</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,930</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,926</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,921</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,917</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Junior subordinated debt</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">9,279</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">9,279</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">9,279</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">9,279</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">9,279</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Accrued interest payable and other</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;liabilities</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,336</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,070</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,742</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;5,544</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: bottom">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,029</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total liabilities</div>
</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 673,318</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 663,849</div>
</td>
<td style="WIDTH: 2.44%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 661,689</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 662,090</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.8%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 653,343</div>
</td>
</tr>
</table>

<div id="DSPFPageBreakArea" style="MARGIN-BOTTOM: 10pt; MARGIN-TOP: 10pt; CLEAR: both">
<div id="DSPFPageNumberArea" style="TEXT-ALIGN: center"><font id="DSPFPageNumber" style="FONT-SIZE: 8pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: normal; FONT-STYLE: normal">5</font></div>

<div id="DSPFPageBreak" style="PAGE-BREAK-AFTER: always">
<hr style="BORDER-LEFT-WIDTH: 0px; HEIGHT: 2px; BORDER-RIGHT-WIDTH: 0px; WIDTH: 100%; BORDER-BOTTOM-WIDTH: 0px; COLOR: #000000; CLEAR: both; MARGIN: 4px 0px; BORDER-TOP-WIDTH: 0px; BACKGROUND-COLOR: #000000" noshade="noshade">
</div>
</div>

<div><br>
</div>

<table id="z6b303a2a466c41e58e646703264e94e4" style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; WIDTH: 100%" cellspacing="0" cellpadding="0">
<tr>
<td style="WIDTH: 45.17%; VERTICAL-ALIGN: top" colspan="5">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">FIRST NATIONAL CORPORATION</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: justify">Quarterly Performance Summary</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic; TEXT-ALIGN: left">(in thousands, except share and per share data)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.46%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 65.57%; VERTICAL-ALIGN: top" colspan="21">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic; TEXT-ALIGN: center">&#160;&#160;(unaudited)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 65.57%; VERTICAL-ALIGN: top; BORDER-BOTTOM: #000000 2px solid" colspan="21">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">For the Quarter Ended</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">2017</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">December 31,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;2016</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">September 30,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;2016</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">June 30,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;2016</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: #000000 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">March 31,</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: center">&#160;2016</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">Balance Sheet </font><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-STYLE: italic">(continued)</font></div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Preferred stock</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; -</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; -</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; -</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; -</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; &#160;&#160; -</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Common stock</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,176</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,162</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,158</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,157</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,156</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Surplus</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">7,155</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">7,093</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">7,046</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">7,021</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">6,996</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Retained earnings</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">41,126</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">39,756</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">38,223</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">36,676</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">35,391</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Accumulated other comprehensive loss, net</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(479)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(860)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(444)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(596)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(843)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total shareholders' equity</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 53,978</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 52,151</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 50,983</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 49,258</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 47,700</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Total liabilities and shareholders' equity</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 727,296</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 716,000</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160;&#160; 712,672</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 711,348</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 701,043</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Loan Data</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Mortgage loans on real estate:</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Construction and land development</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 36,024</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 34,699</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160;&#160; 34,518</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 33,232</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 31,505</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Secured by farm land</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">676</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">688</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">695</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">706</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">931</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Secured by 1-4 family residential</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">205,623</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">198,763</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">196,492</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">196,295</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">196,165</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Other real estate loans</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">215,915</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">210,522</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">202,148</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">199,456</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">190,375</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Loans to farmers (except those secured by</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;&#160;real estate)</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: bottom" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">461</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">1,316</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: bottom" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">737</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">492</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">473</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; TEXT-INDENT: -9pt">Commercial and industrial loans (except those secured by real estate)</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: bottom" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">28,731</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">28,665</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: bottom" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">25,114</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">24,229</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">23,742</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Consumer installment loans</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">5,279</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,611</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,283</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">4,083</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">3,854</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Deposit overdrafts</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">199</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">264</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">260</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">334</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">312</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">All other loans</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;4,862</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,539</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,587</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,719</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;6,719</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><font style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold">&#160;&#160;</font>Total loans</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 497,770</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 486,067</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160;&#160; 470,834</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 465,546</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 454,076</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Allowance for loan losses</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,451)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,321)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,610)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,734)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;(5,520)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Loans, net</div>
</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 492,319</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 480,746</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160;&#160; 465,224</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 459,812</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; 448,556</div>
</td>
</tr>

<tr>
<td style="WIDTH: 34.43%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 10.75%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 45.17%; VERTICAL-ALIGN: top" colspan="5">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">Reconciliation of Tax-Equivalent Net Interest Income</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">GAAP measures:</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest income &#8211; loans</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 5,646</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 5,556</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 5,500</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,370</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,236</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest income &#8211; investments and other</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">886</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">870</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">842</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">908</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">955</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest expense &#8211; deposits</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(383)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(353)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(338)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(329)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(333)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">&#160;&#160;Interest expense &#8211; other borrowings</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(1)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(5)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; TEXT-INDENT: -4.5pt">Interest expense &#8211; subordinated debt</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(89)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(91)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: bottom" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(91)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(89)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(90)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; TEXT-INDENT: -4.5pt">Interest expense &#8211; junior subordinated debt</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(68)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(69)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: bottom" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(65)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(64)</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">(61)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; TEXT-INDENT: -4.5pt">Interest expense &#8211; federal funds purchased</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;-</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;(3)</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total net interest income</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 5,992</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 5,913</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 5,847</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,796</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,699</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Non-GAAP measures:</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="4">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top">&#160;</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; TEXT-INDENT: -4.5pt">Tax benefit realized on non-taxable interest income &#8211; loans</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 19</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 25</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: bottom" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 26</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 25</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 25</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 9pt; TEXT-INDENT: -4.5pt">Tax benefit realized on non-taxable interest income &#8211; municipal securities</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;74</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;71</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;70</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;73</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;76</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left; MARGIN-LEFT: 4.5pt; TEXT-INDENT: -4.5pt">Total tax benefit realized on non-taxable interest income</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 93</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 96</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160; &#160; 96</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160; &#160;&#160; 98</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom; BORDER-BOTTOM: black 2px solid">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; &#160;&#160; 101</div>
</td>
</tr>

<tr>
<td style="WIDTH: 35.08%; VERTICAL-ALIGN: top" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Total tax-equivalent net interest income</div>
</td>
<td style="WIDTH: 10.09%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 6,085</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 12.29%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="2">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; 6,009</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="4">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160;&#160; 5,943</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.62%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double" colspan="3">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,894</div>
</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: top; BORDER-BOTTOM: black 4px double">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: right">$&#160; &#160; &#160; &#160; 5,800</div>
</td>
</tr>

<tr>
<td style="WIDTH: 39.14%; VERTICAL-ALIGN: top" colspan="3">&#160;</td>
<td style="WIDTH: 2.14%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 21.2%; VERTICAL-ALIGN: top" colspan="7">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top">&#160;</td>
<td style="WIDTH: 11.49%; VERTICAL-ALIGN: top" colspan="5">&#160;</td>
<td style="WIDTH: 10.49%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 2.45%; VERTICAL-ALIGN: top" colspan="2">&#160;</td>
<td style="WIDTH: 10.63%; VERTICAL-ALIGN: bottom">&#160;</td>
</tr>
</table>

<div style="TEXT-ALIGN: left"><br>
</div>

<div><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller">&#160;(1)</sup> The efficiency ratio is computed by dividing noninterest expense excluding other real estate owned income/expense, amortization of intangibles, and gains and losses on disposal of premises and equipment by the sum of net interest income on a tax-equivalent basis and noninterest income, excluding gains and losses on sales of securities.&#160; 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. The tax rate utilized in calculating the tax benefit is 34%. See the tables above for tax-equivalent net interest income and reconciliations of net interest income to tax-equivalent net interest income.&#160; The efficiency ratio is a non-GAAP financial measure that management believes provides investors with important information regarding operational efficiency.&#160; Such information is not prepared in accordance with U.S. generally accepted accounting principles (GAAP) and should not be construed as such.&#160; Management believes, however, 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.</div>

<div><br>
</div>

<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller">(2)</sup> All capital ratios reported are for the Bank.</div>

<div><br>
</div>

<div><br>
</div>

<table id="z1b684e2710ff4b73b19ad9d3f1443026" style="FONT-SIZE: 10pt; BORDER-TOP: medium none; FONT-FAMILY: 'Times New Roman', Times, serif; BORDER-RIGHT: medium none; WIDTH: 100%; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none" cellspacing="0" cellpadding="0" border="0">
<tr>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 43.69%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; FONT-WEIGHT: bold; TEXT-ALIGN: left">CONTACTS:</div>
</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 41.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">&#160;</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 14.32%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">&#160;</td>
</tr>

<tr>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 43.69%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">&#160;</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 41.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">&#160;</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 14.32%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">&#160;</td>
</tr>

<tr>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 43.69%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Scott C. Harvard</div>
</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 41.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">M. Shane Bell</div>
</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 14.32%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">&#160;</td>
</tr>

<tr>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 43.69%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">President and CEO</div>
</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 41.99%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">Executive Vice President and CFO</div>
</td>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 14.32%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">&#160;</td>
</tr>

<tr>
<td style="BORDER-TOP: medium none; BORDER-RIGHT: medium none; WIDTH: 43.69%; VERTICAL-ALIGN: top; BORDER-BOTTOM: medium none; BORDER-LEFT: medium none">
<div style="FONT-SIZE: 10pt; FONT-FAMILY: 'Times New Roman', Times, serif; TEXT-ALIGN: left">(540) 465-9121</div>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
